Nepal 💰 NPR Last updated2026-05-28

Home loan Calculator Nepal

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Quick answer (Nepal)

A रू 7,500,000 home loan at 10.5% over a 20-year term works out to a monthly payment of about NPR 74,878, with total interest of NPR 10,470,838 over the full term.

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Mortgage Calculator

NPR

Home Value

LTV 80% · No PMI ✓

Loan Amount

Interest Rate

Term

Total Monthly

NPR 87,378

PITI

Principal + Interest

NPR 74,878

58% goes to interest

Total Interest

NPR 10,470,838

over 20 years

Monthly Breakdown

Principal & InterestNPR 74,878

Property Tax (1.1%/yr)NPR 8,594

Homeowner's Insurance (0.5%/yr)NPR 3,906

Total MonthlyNPR 87,378

Principal vs Interest Split

42% principal

58% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Reviewed by

Aisha Rahman, CFP®, MBA LinkedIn ↗

CFP® with 12+ years in mortgage & retirement planning.

Local context

Home loans in Nepal

Typical loan

NPR 7,500,000

in Nepal

Typical rate

10.5% p.a.

prime borrower, 2026

Typical term

20 years

most common

Market overview

Nepali mortgages are offered by Nabil Bank (the largest private bank by assets after recent mergers), Nepal Investment Mega Bank, Global IME Bank, Himalayan Bank, Standard Chartered Nepal, Sanima Bank, NIC Asia Bank and Everest Bank, with finance companies and development banks also active in the segment. The Nepal Rastra Bank (NRB) policy rate is 5% in early 2026, and the Nepalese rupee is pegged to the Indian rupee at 1.6 NPR/INR — a peg that anchors monetary policy to Indian conditions. NRB caps spread and publishes base-rate disclosures that anchor mortgage pricing. The Employees Provident Fund (EPF / कर्मचारी संचय कोष) offers housing loans to its members.

Why 10.5% is the typical rate

10.5% reflects a typical NPR home loan for a salaried Nepali borrower at 50-60% LTV in early 2026, in line with bank base rates plus a 2-3% spread under NRB pricing rules.

Tax & regulatory notes

Land registration fee (rajistreshan dastur) varies by municipality but typically totals 4-5% of declared value, plus 1.5% capital gains tax on certain transfers. The Lands Act and Land Reform Act govern ceilings on agricultural and urban land holdings. Capital Gains Tax for individuals on real estate is generally 2.5-5% depending on holding period and individual status. The Employees Provident Fund (EPF) offers low-rate housing loans (around 7-8%) to its members up to a multiple of accumulated contributions, often combined with a top-up commercial bank mortgage. The Karmachari Sanchaya Kosh and Citizen Investment Trust also have member housing-loan products.

🧮 Worked example

A रू 7,500,000 home loan at 10.5% over a 20-year term

Loan amount

NPR 7,500,000

Annual interest rate

10.5%

Term

20 years (240 months)

Monthly payment

NPR 74,878

Total interest paid

NPR 10,470,838

Total paid (principal + interest)

NPR 17,970,838

❓ FAQ (Nepal)

Common questions in Nepal.

How does an EPF housing loan work in Nepal and can it stack with a bank mortgage?

EPF members (government, public-corporation and many private-sector employees enrolled in the scheme) can borrow against their accumulated contributions at concessional rates of around 7-8% in early 2026, well below commercial bank rates. Tenors run up to 20 years and repayment is by salary deduction. Many borrowers combine an EPF loan with a Nabil, Himalayan or NIC Asia top-up mortgage to fund a complete home purchase, with both loans secured against the property.

Can NRIs and foreigners buy property in Nepal?

Land ownership by foreigners is heavily restricted in Nepal — non-citizens generally cannot own land outright, and most NRN (Non-Resident Nepali) Act benefits do not extend to land ownership in their own right. Foreigners typically access property through long-term leases or through a Nepal-registered company in approved sectors. Bank mortgage products are essentially limited to Nepali citizens, and there are NRN-specific account and remittance frameworks but not full ownership routes for non-citizens.

How does the NPR-INR peg affect mortgages in Nepal?

The 1.6 NPR/INR peg, maintained since 1993, ties Nepalese monetary policy closely to Indian conditions and means NRB largely follows the RBI direction. Mortgage borrowers do not face NPR-INR FX risk, but headline rates have historically run a few percentage points above Indian equivalents reflecting domestic risk premia and a thinner financial system. Liquidity squeezes in Nepal's banking system (notably 2022) have at times pushed deposit and mortgage rates well above policy-implied levels.

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