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Calculate your monthly EMI for home loans, auto loans, and personal loans in Nepal — with NPR formatting and rates that mirror the current commercial bank ranges.
Commercial bank home loan rates in Nepal currently range from ~9.5% to 13% per year. Rates float with the base rate, so a fixed-quote EMI estimate will only stay accurate for a few months at a time.
Most NRB-regulated banks lend up to 70–80% of property value (LTV) and cap your EMI at around 50% of monthly disposable income. For Kathmandu Valley property, the LTV ceiling is often lower.
Loan processing fees (typically 0.5–1% of principal), service charges, fire + life insurance bundling, and prepayment penalties (NRB caps these but they exist). The schedule below assumes a flat reducing-balance structure.
As of 2025, commercial bank home loan rates in Nepal sit between roughly 9.5% and 13% per year. They float with each bank's base rate, so your EMI can move during the loan if rates change. Specific offers depend on your credit profile, the property's LTV, and whether the bank is running a promotional rate.
Nepal Rastra Bank guidelines limit residential home loans to roughly 70–80% of the property's appraised value (LTV). For Kathmandu Valley property the ceiling is often lower. Banks also cap your EMI at around 50% of your monthly disposable income to keep repayments serviceable.
Yes, but it's capped by NRB. Many lenders charge 1–2% of the prepaid amount, with the first prepayment after a certain period often exempt. Read the loan offer letter carefully — terms vary by bank and product.
No. This is a free educational EMI calculator that uses the standard reducing-balance formula. Real EMI offers from Nabil, Standard Chartered, Global IME, Himalayan Bank, NIC Asia, and others will vary based on your profile, the bank's current base rate, and processing fees.
Not directly. Processing fees (typically 0.5–1% of principal) are usually added to the first month or deducted from the disbursed amount — they don't change the EMI itself. Bake them into your principal manually if you want a more accurate amortization.
For information only — not financial, tax, or legal advice.
Nepal EMI math uses a standard reducing-balance amortization. Processing fees, prepayment penalties, insurance, and lender-specific adjustments are excluded. Always verify with an official source and a licensed professional before filing, borrowing, or transacting. Read the full disclaimer.
ExpenseFlow tracks every EMI, splits principal from interest, and reminds you before the next payment hits.
