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Compare home loan rates from all 20 commercial banks
In Bhadra 2083, home loan effective rates across 20 commercial banks in Nepal range from 7.72% to 9.88%. The table below shows each bank's base rate, premium, processing fee and your monthly EMI for the amount you enter, cheapest first.
Cheapest
7.72% · Standard Chartered Bank Nepal
banks
20
Effective from
Bhadra 2083
Rates shown are base rate plus the bank's published premium. Fixed-rate options are listed where the bank offers them.
Other banks
Home Loan FAQ
Which bank has the cheapest home loan in Nepal?+
On our latest data, Standard Chartered Bank Nepal has the lowest effective rate at 7.72%. Rates are base rate plus premium and can change monthly.
What is the EMI on a home loan?+
At 7.72%, the EMI on a typical amount is roughly Rs. 46,978. Enter your own amount and tenure in the table above to see every bank's EMI.
How much of the property value will a bank finance?+
Under NRB rules, usually up to 70% of the assessed value (60% in some Kathmandu Valley cases). You fund the rest as equity.
What is the maximum home loan tenure in Nepal?+
Most banks allow up to 25 years (300 months), provided the borrower is no older than 65 when the loan ends.
Check eligibility
Buy, build or renovate. Up to 25 years, up to 70% of property value.
Check eligibilityCalculate