Guides

Plain-language explainers on borrowing in Nepal, written by people who have sat across from a loan officer.

Business loans

1 guides

Subsidised and concessional loan schemes in Nepal: agriculture, women entrepreneurs, youth and returnees

The government pays 5 to 6 points of your interest on around ten categories of concessional loans, from Rs 5 lakh for a returnee's business to Rs 5 crore for commercial farming. Here is how the subsidy actually flows, who qualifies and what to ask the bank.

19 Bhadra 2083

Basics

4 guides

Basics2 min read

How the base rate works in Nepal, and why your EMI changes every quarter

Every Nepali bank publishes a base rate monthly. Your floating loan rate is that number plus a premium. Here is exactly how it is calculated and when it hits your EMI.

16 Bhadra 2083

Basics4 min read

Floating vs fixed interest rate in Nepal: which one should you take?

Floating loans follow the base rate every quarter; fixed loans lock a higher number for three to five years. Here is how banks price the difference and when each one wins.

14 Bhadra 2083

Basics4 min read

Loan prepayment in Nepal: how it works, what the penalty is, and when it actually saves money

Prepaying Rs 5 lakh on a Rs 50 lakh home loan three years in can save about Rs 14.5 lakh of interest for a Rs 5,000 fee. But the same prepayment done the other way saves only Rs 4.8 lakh. The maths, the rules and the exceptions.

25 Shrawan 2083

Basics4 min read

10 practical steps to improve your loan eligibility in Nepal

Most rejections are not about income. They are about a bike loan that eats your DTI, a CIB entry you forgot, or income the bank cannot see. Ten fixes, ordered by how fast they work.

22 Shrawan 2083

Home loans

2 guides

Home loans4 min read

Home loan eligibility in Nepal: income, DTI, LTV and the property checks banks run

How much house a bank will finance depends on four gates: your income, your existing EMIs, the property's valuation and your age at maturity. Here is how each one is scored, with numbers.

12 Bhadra 2083

Home loans4 min read

Home loan documents checklist for Nepal, by borrower type

The full list of papers a Nepali bank asks for on a home loan: identity, income, property and legal. Grouped by whether you are salaried, self-employed, earning abroad or a landlord, so you can build the file in one trip.

9 Bhadra 2083

Auto loans

1 guides

Auto loans4 min read

EV loans in Nepal: LTV rules, price bands and what an electric car really costs to finance

Banks can finance up to 80% of an electric vehicle but only 50% of a petrol car, which is why an EV needs far less cash up front. Here are the NRB rules, popular price bands and a full five-year cost example.

6 Bhadra 2083

Education loans

1 guides

Education loans4 min read

Education loans to study abroad from Nepal: collateral, moratorium, forex and the NOC

What a Nepali bank will lend for Australia, the UK, the USA or Japan, what collateral it wants, how the repayment holiday works, and why the exchange rate is the risk nobody explains.

3 Bhadra 2083

Gold loans

1 guides

Gold loans4 min read

Gold loans in Nepal: valuation, tola vs gram, LTV, interest-only repayment and auction rules

A gold loan is the fastest secured credit in Nepal, often same-day. But the amount depends on the bank's own gold rate, not the market price, and the auction rules matter if you slip. Here is how it works end to end.

31 Shrawan 2083

Personal loans

1 guides

Personal loans4 min read

Personal loan vs credit card in Nepal: which is cheaper for a short-term need?

For a Rs 2 lakh gap, a credit card can cost nothing or Rs 61,000 depending on how you repay. A personal loan costs about Rs 32,000 either way. Here is the maths and a decision rule by time horizon.

28 Shrawan 2083

Credit

1 guides

Credit5 min read

Your CIB credit report in Nepal: what Karja Suchana Kendra holds, how blacklisting works, and how to clean your record

Every bank checks Karja Suchana Kendra before it lends. Here is what is in your report, what gets you blacklisted, how to get a copy of your own record and the exact steps to fix errors or get delisted.

19 Shrawan 2083

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Sasto Karja is a comparison platform, not a lender. Guides are general information, not financial advice. Confirm current terms with the bank before you sign.