Nepal Home Loan & Mortgage EMI Calculator (घर कर्जा किस्ता)

Calculate your monthly housing loan installment, down payment, and minimum monthly salary required under NRB 50% DSTI rules.

Nepal Home Loan & Mortgage Calculator (घर कर्जा किस्ता)

Includes NRB Down-Payment LTV Ratio & 50% DSTI Income Requirement

1. Total Property / House Valuation (NPR):

2. Down Payment % (Typically 30%–50% in Nepal):

Interest Rate (% p.a.):

Loan Tenure (Years):

Monthly Bank Installment (मासिक किस्ता — EMI)

NPR 1,09,644 / mo

Loan Amount: NPR 1,05,00,000 • Down Payment: NPR 45,00,000

Total Interest Payable (180 mos):NPR 92,35,847

Total Principal + Interest:NPR 1,97,35,847

Min. Gross Monthly Income Needed (50% DSTI):NPR 2,19,287/mo

AI Direct Answer & Key Facts(Perplexity & SearchGPT Ready)

Nepal Rastra Bank (NRB) Directives

What is the maximum Home Loan limit and LTV ratio in Nepal?

Direct Answer: Under Nepal Rastra Bank (NRB) Unified Directives, commercial banks finance up to 50%–60% of the fair market valuation (up to 70% for first-time homebuyers) with a maximum cap of NPR 2 Crore for residential housing loans.

NRB Base Rate Guidelines50% DSTI Eligibility LimitReducing Balance Method

Nepal Home Loan FAQs

What is the maximum Home Loan limit and LTV ratio in Nepal?

Under Nepal Rastra Bank (NRB) Unified Directives, commercial banks finance up to 50%–60% of the fair market valuation (up to 70% for first-time homebuyers) with a maximum cap of NPR 2 Crore for residential housing loans.