19 banks compared · Bhadra 2083
Home loan interest rates in Nepal
Buy, build or renovate. Up to 25 years, up to 70% of property value.
Also searched as: ghar karja · घर कर्जा · housing loan · ghar jagga karja
The cheapest home loan in Nepal in Bhadra 2083 is Nabil Bank at 4.96% effective, made up of a 4.46% base rate plus a 0.5% premium. Effective rates across 19 commercial banks range from 4.96% to 9.86%. Each rate is the bank's own published Bhadra 2083 rate; floating rates reset when the base rate changes.
- Lowest effective rate
- 4.96% · Nabil Bank
- Effective rate range
- 4.96% – 9.86%
- Banks compared
- 19
- Maximum tenure
- 300 months
- Maximum loan-to-value
- 70%
- Rates effective
- Bhadra 2083
Effective from: Bhadra 2083Source: Nabil Bank
In Bhadra 2083, home loan effective rates across 19 commercial banks in Nepal range from 4.96% to 9.86%. The table below shows each bank's base rate, premium, processing fee and your monthly EMI for the amount you enter, cheapest first.
19 offers from 19 banks · Select up to 4 to compare side by side
| Bank | Effective rate | Monthly EMI | Processing fee | Total cost | Max financing | Effective from | ||
|---|---|---|---|---|---|---|---|---|
 Nabil Bank CheapestVerifiedFixed option 7.99%–8.99% | 4.96%up to 6.96%4.46% + 0.5% | Rs. 39,436 | 0.75%Rs. 37,500 | Rs. 21.36 LakhTotal interest Rs. 20.98 Lakh | 70% | Bhadra 2083 | ||
 Everest Bank VerifiedFixed option 7.25% | 5.13%up to 7.13%4.13% + 1% | Rs. 39,879 | 0.75%Rs. 37,500 | Rs. 22.16 LakhTotal interest Rs. 21.78 Lakh | 70% | Bhadra 2083 | ||
 Laxmi Sunrise Bank VerifiedFixed option 7.49%–10.99% | 5.44%up to 7.44%4.94% + 0.5% | Rs. 40,695 | 0.75%Rs. 37,500 | Rs. 23.63 LakhTotal interest Rs. 23.25 Lakh | 70% | Shrawan 2083 | ||
 NMB Bank VerifiedFixed option 9.99% for up to 10 yrs | 5.45%up to 7.45%4.95% + 0.5% | Rs. 40,722 | 0.75%Rs. 37,500 | Rs. 23.67 LakhTotal interest Rs. 23.3 Lakh | 70% | Bhadra 2083 | ||
 Machhapuchchhre Bank VerifiedFixed option 7.75%–9.5% | 5.46%up to 7.96%4.96% + 0.5% | Rs. 40,748 | 0.75%Rs. 37,500 | Rs. 23.72 LakhTotal interest Rs. 23.35 Lakh | 70% | Bhadra 2083 | ||
 Himalayan Bank VerifiedFixed option 6.75% | 5.53%up to 9.03%5.03% + 0.5% | Rs. 40,934 | 0.75%Rs. 37,500 | Rs. 24.06 LakhTotal interest Rs. 23.68 Lakh | 70% | Shrawan 2083 | ||
 NIC Asia Bank VerifiedFixed option 6.99% | 5.57%up to 7.57%5.57% + 0% | Rs. 41,040 | 0.75%Rs. 37,500 | Rs. 24.25 LakhTotal interest Rs. 23.87 Lakh | 70% | Bhadra 2083 | ||
Nepal SBI Bank VerifiedFixed option 8.99%–10.49% | 5.6%up to 7.6%5.1% + 0.5% | Rs. 41,120 | 0.75%Rs. 37,500 | Rs. 24.39 LakhTotal interest Rs. 24.02 Lakh | 70% | Bhadra 2083 | ||
 Global IME Bank VerifiedFixed option 8.99%–10.99% | 5.65%up to 7.65%4.65% + 1% | Rs. 41,253 | 0.75%Rs. 37,500 | Rs. 24.63 LakhTotal interest Rs. 24.26 Lakh | 70% | Bhadra 2083 | ||
 Prabhu Bank Verified | 5.73%up to 8.98%4.98% + 0.75% | Rs. 41,467 | 0.75%Rs. 37,500 | Rs. 25.02 LakhTotal interest Rs. 24.64 Lakh | 70% | Bhadra 2083 | ||
 Rastriya Banijya Bank VerifiedFixed option 7.25%–8% | 5.83%up to 6.33%3.83% + 2% | Rs. 41,735 | 0.75%Rs. 37,500 | Rs. 25.5 LakhTotal interest Rs. 25.12 Lakh | 70% | Shrawan 2083 | ||
 Kumari Bank VerifiedFixed option 6.29% for up to 7 yrs | 5.84%up to 7.84%4.84% + 1% | Rs. 41,762 | 0.75%Rs. 37,500 | Rs. 25.55 LakhTotal interest Rs. 25.17 Lakh | 70% | Bhadra 2083 | ||
 Standard Chartered Bank Nepal VerifiedFixed option 8.5%–8.75% | 6.12%up to 7.62%4.12% + 2% | Rs. 42,518 | 0.75%Rs. 37,500 | Rs. 26.91 LakhTotal interest Rs. 26.53 Lakh | 70% | Bhadra 2083 | ||
 Sanima Bank Verified | 6.14%up to 8.14%4.64% + 1.5% | Rs. 42,572 | 0.75%Rs. 37,500 | Rs. 27 LakhTotal interest Rs. 26.63 Lakh | 70% | Bhadra 2083 | ||
 Nepal Investment Mega Bank VerifiedFixed option 7% for up to 7 yrs | 6.44%up to 8.44%4.44% + 2% | Rs. 43,391 | 0.75%Rs. 37,500 | Rs. 28.48 LakhTotal interest Rs. 28.1 Lakh | 70% | Bhadra 2083 | ||
 Nepal Bank Limited VerifiedFixed option 7.99%–8.99% | 6.79%4.37% + 2.42% | Rs. 44,356 | 0.75%Rs. 37,500 | Rs. 30.22 LakhTotal interest Rs. 29.84 Lakh | 70% | Bhadra 2083 | ||
 Agricultural Development Bank VerifiedFixed option 10.15%–12.15% | 7.55%4.55% + 3% | Rs. 46,493 | 0.75%Rs. 37,500 | Rs. 34.06 LakhTotal interest Rs. 33.69 Lakh | 70% | Bhadra 2083 | ||
 Siddhartha Bank VerifiedFixed option 7.99%–9% | 7.84%4.84% + 3% | Rs. 47,322 | 0.75%Rs. 37,500 | Rs. 35.55 LakhTotal interest Rs. 35.18 Lakh | 70% | Bhadra 2083 | ||
 Prime Commercial Bank VerifiedFixed option 9%–11% | 9.86%4.86% + 5% | Rs. 53,303 | 0.75%Rs. 37,500 | Rs. 46.32 LakhTotal interest Rs. 45.95 Lakh | 70% | Bhadra 2083 |
Rates shown are base rate plus the bank's published premium. Fixed-rate options are listed where the bank offers them. · Effective from Bhadra 2083
Every bank offering a home loan
19 commercial banks, ordered cheapest first on Bhadra 2083 rates.
EMI by loan amount
Home loan guides
- Home loan eligibility in Nepal: income, DTI, LTV and the property checks banks run
- Home loan documents checklist for Nepal, by borrower type
- Floating vs fixed interest rate in Nepal: which one should you take?
- Loan prepayment in Nepal: how it works, what the penalty is, and when it actually saves money
- How the base rate works in Nepal, and why your EMI changes every quarter
Home Loan FAQ
Which bank has the cheapest home loan in Nepal?+
On our latest data, Nabil Bank has the lowest effective rate at 4.96%. Rates are base rate plus premium and can change monthly.
What is the EMI on a home loan?+
At 4.96%, the EMI on a typical amount is roughly Rs. 39,436. 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