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Home Loan

Reference

Understand eligibility, required documents, indicative interest rates from major Nepalese banks, and everything you need before applying.

21–65 yrs

Age at Loan Maturity

1+ Year

Min. Employment (Salaried)

2+ Years

Min. Business Operating

Up to 65%

Loan-to-Value Ratio

Required Documents — Salaried

  • Citizenship certificate of applicant & guarantor
  • Passport-sized photographs (2 copies)
  • Salary certificate & 6–12 months bank statement
  • Tax clearance certificate (PAN/TDS deduction)
  • Property documents (Lalpurja, Blue Print, Trace Map, Char Killa)

Required Documents — Business

  • Citizenship certificate of applicant & guarantor
  • Company/Firm registration certificate & PAN/VAT
  • Audited financial statements (last 2 years)
  • Tax clearance receipt / return slips
  • Property documents (Lalpurja, Blue Print, Trace Map, Char Killa)

Indicative Home Loan Rates (Nepal — 2025)

Bank Base Rate Premium Effective Rate
Nabil Bank 8.50% 2.00% ~10.50%
NIC Asia Bank 8.25% 2.50% ~10.75%
Everest Bank 8.75% 2.00% ~10.75%
Global IME Bank 8.00% 3.00% ~11.00%
Kumari Bank 8.50% 3.00% ~11.50%

* Rates are indicative and subject to change. Contact your bank for confirmed figures.

Calculate your exact EMI

Use our EMI calculator to plan your monthly budget before visiting the bank.

EMI Calculator →