Home / Loans / Lowest Home Loan Interest Rates in Nepal
UPDATED DAILY · FY 2083/84
Lowest Home Loan Interest Rates in Nepal
Home loans across Nepali banks, ranked by interest rate — lowest first, because a lower rate means a cheaper loan. Verified bank rates marked ✓ Verified.नेपाली बैंकहरूको घर कर्जा, ब्याज दरअनुसार क्रमबद्ध — न्यून पहिले, किनकि कम दरको अर्थ सस्तो कर्जा हो। प्रमाणित बैंक दर ✓ प्रमाणित चिन्ह लगाइएका।
✓ Sourced from NRB & bank data · Shrawan 3, 2083
A home loan is usually the largest debt a household takes on, so even a small difference in the interest rate translates into a large difference in total interest paid over the life of the loan. Comparing rates before you borrow is the single most effective way to cut that cost.घर कर्जा प्रायः घरपरिवारले लिने सबैभन्दा ठूलो ऋण हो, त्यसैले ब्याज दरमा सानो अन्तरले पनि कर्जाको अवधिभर तिरिने कुल ब्याजमा ठूलो फरक ल्याउँछ। ऋण लिनुअघि दर तुलना गर्नु त्यो लागत घटाउने सबैभन्दा प्रभावकारी तरिका हो।
Home loan rates in Nepal are typically built from a bank's base rate plus a premium (spread), and they differ between banks. The table below ranks every bank publishing a home loan rate, lowest first, since the lowest rate is the best deal for a borrower.नेपालमा घर कर्जा दर सामान्यतया बैंकको आधार दर जोड प्रिमियम (स्प्रेड) बाट बन्छन्, र बैंकपिच्छे फरक हुन्छन्। तलको तालिकाले घर कर्जा दर प्रकाशित गर्ने हरेक बैंकलाई न्यून पहिले क्रमबद्ध गर्छ, किनकि ऋणीका लागि न्यून दर उत्तम सम्झौता हो।
Rates are indicative and sourced from public bank/NRB data unless marked ✓ Verified. Confirm the current rate and terms directly with the bank before proceeding.
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The bank at the top of the table above currently publishes the lowest home loan interest rate. Loans are ranked lowest-first because a lower rate means less interest paid over the loan term.माथिको तालिकाको शीर्षमा रहेको बैंकले हाल सबैभन्दा कम घर कर्जा ब्याज दर प्रकाशित गर्छ। कम दरको अर्थ अवधिभर कम ब्याज हुने भएकाले कर्जा न्यून पहिले क्रमबद्ध गरिएका छन्।
Your monthly instalment (EMI) depends on the loan amount, the interest rate and the tenure. A longer tenure lowers the monthly payment but increases total interest. Byajdar's EMI calculator gives an exact figure for any combination.तपाईंको मासिक किस्ता कर्जा रकम, ब्याज दर र अवधिमा निर्भर हुन्छ। लामो अवधिले मासिक भुक्तानी घटाउँछ तर कुल ब्याज बढाउँछ। Byajdar को EMI क्यालकुलेटरले जुनसुकै संयोजनका लागि सटीक अंक दिन्छ।
The base rate is the bank's minimum lending rate; the effective rate is the base rate plus the bank's premium (spread) for that product. The effective rate is what you actually pay, so it's the figure to compare.आधार दर बैंकको न्यूनतम ऋण दर हो; प्रभावकारी दर भनेको आधार दर जोड त्यस उत्पादनका लागि बैंकको प्रिमियम (स्प्रेड) हो। तपाईंले वास्तवमै तिर्ने प्रभावकारी दर नै हो, त्यसैले तुलना गर्ने अंक यही हो।
It means the rate was confirmed directly by the bank through Byajdar's partner portal. Verified rates override scraped data for that bank and product.प्रमाणित चिन्हको अर्थ हो — बैंकले सार्वजनिक स्रोतबाट होइन, Byajdar को पार्टनर पोर्टलमार्फत सिधै दर पुष्टि गरेको हो। त्यस बैंक र उत्पादनका लागि प्रमाणित दरले स्क्र्याप गरिएको डेटालाई सधैं प्रतिस्थापन गर्छ।
