LOWEST HOME LOAN RATE
—
—
Best available
Home Loan Rates
Sorted lowest firstAs of 17 October 2026, the lowest published starting home loan rate in Nepal tracked by Byajdar is 4.91% at NABIL Bank, according to the bank's published interest rate sheet. Starting rates are the bank's base rate plus its minimum premium; the rate you are offered depends on your premium.
| Bank | Home loan (from) | Vehicle loan (from) | Personal loan (from) | Base rate | Source |
|---|---|---|---|---|---|
| NABIL Bank | 4.91% | 5.16% | 5.91% | 4.41% | byajdar.com |
| Everest Bank | 5.18% | 5.18% | — | 4.18% | byajdar.com |
| Machhapuchchhre Bank | 5.43% | 5.43% | — | 4.93% | byajdar.com |
| Laxmi Sunrise Bank | 5.44% | 5.69% | 5.94% | 4.94% | byajdar.com |
| NMB Bank | 5.51% | 6.01% | 7.51% | 5.01% | byajdar.com |
| Rastriya Banijya Bank | 5.51% | 4.90% | 6.76% | 4.01% | byajdar.com |
| Himalayan Bank | 5.59% | 5.59% | 5.59% | 5.09% | byajdar.com |
| Nepal SBI Bank | 5.61% | 5.61% | 6.11% | 5.11% | byajdar.com |
| Global IME Bank | 5.64% | 5.64% | 7.64% | 4.64% | byajdar.com |
| Prabhu Bank | 5.69% | 5.44% | 6.94% | 4.94% | byajdar.com |
| Muktinath Bikas Bank | 5.77% | 5.52%* | 7.52% | 5.52% | byajdar.com |
| Jyoti Bikas Bank | 5.84% | 5.84% | 7.74% | 5.74% | byajdar.com |
| Kumari Bank | 5.92% | 5.92% | 6.42% | 4.92% | byajdar.com |
| Standard Chartered Bank | 6.12% | — | 8.12% | 4.12% | byajdar.com |
| Sanima Bank | 6.21% | 6.26% | 6.76% | 4.71% | byajdar.com |
| Garima Bikas Bank | 6.22% | 5.72% | 7.72% | 5.14% | garimabank.com.np |
| ICFC Finance | 6.79% | 6.79% | 7.29% | 5.79% | byajdar.com |
| Nepal Bank Limited | 6.83% | 4.90% | 6.41% | 4.41% | byajdar.com |
| Reliance Finance | 7.10% | 7.10% | 7.10% | 6.60% | byajdar.com |
| Narayani Development Bank | 7.75% | 7.75% | 8.50% | 10.80% | byajdar.com |
| Corporate Development Bank | 8.54% | 9.04% | 9.04% | 7.54% | byajdar.com |
| Agricultural Dev. Bank | 4.55%* | 4.55%* | 4.55%* | 4.55% | byajdar.com |
| Nepal Investment Mega Bank | 4.55%* | 5.05% | 6.05% | 4.55% | byajdar.com |
| Prime Commercial Bank | 4.87%* | 4.87%* | 4.87%* | 4.87% | byajdar.com |
| Siddhartha Bank | 4.93%* | 4.93%* | 4.93%* | 4.93% | byajdar.com |
| Citizens Bank Int'l | 4.97%* | 4.97%* | — | 4.97% | byajdar.com |
| Excel Bikas Bank | 4.99%* | 4.99%* | 4.99%* | 4.99% | byajdar.com |
| Lumbini Bikas Bank | 5.46%* | 5.46%* | 6.46% | 5.46% | byajdar.com |
| Shine Resunga Dev. Bank | 5.47%* | 5.47%* | 5.47%* | 5.47% | byajdar.com |
| Kamana Sewa Bikas Bank | 5.52%* | 5.52%* | 5.52%* | 5.52% | byajdar.com |
| Shangrila Development Bank | 5.57%* | 5.57%* | 5.57%* | 5.57% | byajdar.com |
| Miteri Development Bank | 5.64%* | 5.64%* | 5.64%* | 5.64% | byajdar.com |
| Mahalaxmi Bikas Bank | 5.68%* | 5.68%* | 5.68%* | 5.68% | byajdar.com |
| NIC Asia Bank | 5.69%* | 5.94% | 6.69% | 5.69% | byajdar.com |
| Manjushree Finance | 5.89%* | 5.89%* | 5.89%* | 5.89% | byajdar.com |
| Guheshwori Finance | 6.14%* | 6.14%* | 6.14%* | 6.14% | byajdar.com |
| Gurkhas Finance | 6.21%* | 6.21%* | 6.21%* | 6.21% | byajdar.com |
| Green Dev. Bank | 6.28%* | 6.28%* | 6.28%* | 6.28% | byajdar.com |
| Central Finance Ltd | 6.31%* | — | 6.31%* | 6.31% | bankbyaj.com |
| Shree Invest &Finance | 6.34%* | 6.34%* | 6.34%* | 6.34% | byajdar.com |
| Goodwill Finance | 6.46%* | 6.46%* | 6.46%* | 6.46% | byajdar.com |
| Pokhara Finance | 6.59%* | 6.59%* | 6.59%* | 6.59% | byajdar.com |
| Sindhu Bikas Bank | 7.25%* | 7.25%* | 7.25%* | 7.25% | byajdar.com |
| Progressive Fin. Co. | 7.33%* | 7.33%* | 7.33%* | 7.33% | bankbyaj.com |
| Nepal Finance | 7.36%* | 7.36%* | 7.36%* | 7.36% | byajdar.com |
| Multipurpose Finance | 7.71%* | 7.71%* | 7.71%* | 7.71% | byajdar.com |
| Best Finance | 7.94%* | 7.94%* | 7.94%* | 7.94% | byajdar.com |
| Janaki Finance Co. | 9.59%* | 9.59%* | 9.59%* | 9.59% | byajdar.com |
* Equals the bank's base rate on the same date, so it is probably the base rate rather than a loan rate. Not ranked until confirmed.
NOT SURE WHICH BANK?
Find my best bank →मेरो उत्तम बैंक →Find the bank that lends to you for the leastतपाईंलाई सबैभन्दा सस्तोमा ऋण दिने बैंक खोज्नुहोस्
Answer a few quick questions and we'll match you to your cheapest loan — free, no signup.केही छोटा प्रश्नको उत्तर दिनुहोस्, हामी तपाईंलाई सबैभन्दा सस्तो कर्जासँग जोड्छौं — निःशुल्क, दर्ता नचाहिने।
Loan FAQs
Nepali banks price home loans as a base rate plus a fixed premium (spread). If a bank's base rate is 8% and your premium is 2%, your effective rate is 10%. The base rate is reset quarterly, so your EMI can move over the life of the loan.नेपाली बैंकहरूले घर कर्जालाई आधार दर जोड निश्चित प्रिमियम (स्प्रेड) का रूपमा मूल्य निर्धारण गर्छन्। बैंकको आधार दर 8% र तपाईंको प्रिमियम 2% भए, प्रभावकारी दर 10% हुन्छ। आधार दर त्रैमासिक रूपमा पुनःनिर्धारण हुन्छ, त्यसैले किस्ता कर्जाको अवधिभर परिवर्तन हुन सक्छ।
Most Nepali banks lend up to 80% of the property value (loan-to-value) with tenures up to 25 years. The exact limit depends on your income, age, and the property valuation.अधिकांश नेपाली बैंकहरूले सम्पत्ति मूल्यको 80% सम्म (ऋण-देखि-मूल्य) 25 वर्षसम्मको अवधिमा कर्जा दिन्छन्। सटीक सीमा तपाईंको आम्दानी, उमेर र सम्पत्ति मूल्यांकनमा निर्भर हुन्छ।
Loans secured against a fixed deposit or gold carry the lowest rates because collateral lowers the bank's risk. Home and vehicle loans follow. Unsecured personal loans are the most expensive.मुद्दती निक्षेप वा सुनविरुद्ध लिइएको कर्जाको दर सबैभन्दा कम हुन्छ किनकि धितोले बैंकको जोखिम घटाउँछ। त्यसपछि घर र सवारी कर्जा आउँछन्। धितोरहित व्यक्तिगत कर्जा सबैभन्दा महँगो हुन्छ।
Typically citizenship, salary or income proof, and bank statements. Secured loans also need collateral documents such as the land ownership certificate (lalpurja) or vehicle bluebook. Requirements vary by bank and loan type.सामान्यतया नागरिकता, तलब वा आम्दानी प्रमाण, र बैंक स्टेटमेन्ट। धितोसहित कर्जाका लागि लालपुर्जा वा सवारी ब्लुबुक जस्ता धितो कागजात पनि चाहिन्छ। आवश्यकता बैंक र कर्जा प्रकारअनुसार फरक हुन्छ।
Yes. Early repayment is allowed, though some banks charge a prepayment fee, commonly 0-2% of the outstanding balance. Check your loan agreement for the exact terms.सक्नुहुन्छ। समयअघि भुक्तानी अनुमति छ, तर केही बैंकहरूले बाँकी रकमको सामान्यतया 0-2% अग्रिम भुक्तानी शुल्क लिन्छन्। सटीक सर्तका लागि आफ्नो कर्जा सम्झौता हेर्नुहोस्।
Most Nepali home and vehicle loans are floating-rate, tied to the bank's base rate, which is reset quarterly. When the base rate rises or falls, your interest rate and EMI adjust. Fixed-rate loans are rare and usually cost more.अधिकांश नेपाली घर र सवारी कर्जा परिवर्तनशील दरका हुन्छन्, बैंकको आधार दरसँग जोडिएका, जुन त्रैमासिक पुनःनिर्धारण हुन्छ। आधार दर बढ्दा वा घट्दा, तपाईंको ब्याज दर र किस्ता समायोजन हुन्छ। स्थिर दरका कर्जा दुर्लभ हुन्छन् र प्रायः महँगो पर्छन्।