Home loan interest rates in Nepal

What 18 banks publish for Kartik 2083, read from each bank's own rate sheet and checked daily. Enter your loan to see what each would cost you a month.

Lowest published rate
4.88%
Nepal Bank
Last checked
1 Nov 2026

Compare home loan rates by bank

Repay over

What each bank lists for a 20-year loan

Nabil Bank's lowest rate comes to NPR 32,750 a month, which is NPR 3,419 a month less than the highest starting rate here, Standard Chartered Bank Nepal's.

  • Lowest rate
  • Up to its highest rate
  • Base rate
  • Floating rate with only its highest published

Every home loan, by bank

58 rates from 18 banks for a 20-year loan

  • Nabil BankKartik 2083 sheet
    Base rate 4.41%Origination fee 0.75%, NPR 37,500 once (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • Housing LoanFloating, base rate + 0.50% to 2.50%4.91% to 6.91%Lowest for this lengthfrom NPR 32,750 a month
    • Affordable Housing LoanFloating, base rate + 0.75%5.16%NPR 33,441 a month
    • Sustainable Housing LoanFloating, base rate + 1.00% to 2.75%5.41% to 7.16%from NPR 34,141 a month
    5 more rates from Nabil Bank
    • Super Housing LoanFloating, base rate + 1.00% to 3.00%5.41% to 7.41%from NPR 34,141 a month
    • Low Cost Housing (Prime)Floating, base rate + 1.50% to 3.00%5.91% to 7.41%from NPR 35,562 a month
    • Low Cost Housing (Standard)Floating, base rate + 2.00% to 3.50%6.41% to 7.91%from NPR 37,014 a month
    • Nabil Dhukka Ghar Karja (Fixed for 7 years)Fixed7.99%NPR 41,791 a month
    • Nabil Dhukka Ghar Karja (Fixed for 10 years)Fixed8.99%NPR 44,954 a month
  • Everest BankKartik 2083 sheet
    Base rate 4.18%Origination fee 0.75%, NPR 37,500 once (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • Housing LoanFloating, base rate + 1.00% to 3.00%5.18% to 7.18%from NPR 33,497 a month
    • Housing LoanFixed7.25%NPR 39,519 a month
  • Nepal Investment Mega BankKartik 2083 sheet
    Base rate 4.51%Origination fee 0.75%, NPR 37,500 once (listed for retail loans) (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • Eco Home LoanFloating, base rate + 0.75%, 0.50% origination fee5.26%NPR 33,720 a month
    • Housing Loan upto 30 mioFloating, base rate + up to 2.00%Up to 6.51%up to NPR 37,308 a month
    • Housing Loan above 30 mio (Real Estate Categorization)Floating, base rate + 2.00% to 4.00%6.51% to 8.51%from NPR 37,308 a month
    1 more rate from Nepal Investment Mega Bank
    • Fixed Rate for Housing Loan up to NPR 30 mio for 7 yearsFixed7.00%NPR 38,765 a month
  • Laxmi Sunrise BankKartik 2083 sheet
    Base rate 4.88%Origination fee 0.75%, NPR 37,500 once (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • Home LoansFloating, base rate + 0.50% to 2.50%5.38% to 7.38%from NPR 34,056 a month
    1 more rate from Laxmi Sunrise Bank
    • Home Loan (fixed, Up to 15 years)Fixed7.49% to 10.99%Up to 15 yrs onlyLoan length: Up to 15 yrs
  • Machhapuchchhre BankAsoj 2083 sheet
    Base rate 4.92%Origination fee 0.75%, NPR 37,500 once (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • Home Loan (up to 30 million)Floating, base rate + 0.50% to 2.50%5.42% to 7.42%from NPR 34,169 a month
    • Home Loan (Above 30 Million)Floating, base rate + 1.00% to 3.00%5.92% to 7.92%from NPR 35,591 a month
    • Home LoanFixed7.75% to 9.50%from NPR 41,047 a month
  • NMB BankKartik 2083 sheet
    Base rate 4.95%Origination fee 0.75%, NPR 37,500 once (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • HousingFloating, base rate + 0.50% to 2.50%5.45% to 7.45%from NPR 34,253 a month
    1 more rate from NMB Bank
    • Sulav Ghar Karja-Upto 10 Yrs Fixed plus FloatingFixed9.99%Up to 10 yrs onlyLoan length: Up to 10 yrs
  • Rastriya Banijya BankKartik 2083 sheet
    Base rate 3.96%Origination fee 0.50%, NPR 25,000 once (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • Mero ghar karja, up to 3 croreFloating, base rate + 1.50% to 1.75%5.46% to 5.71%from NPR 34,282 a month
    • Mero ghar karja, above 3 croreFloating, base rate + 2.00%5.96%NPR 35,706 a month
    • Mahalaxmi Ghar karja, up to 20 yearsFloating, base rate + 2.50%6.46%NPR 37,161 a monthLoan length: Up to 20 yrs
    15 more rates from Rastriya Banijya Bank
    • Tapai ko aafno Ghar karja, up to 20 yearsFloating, base rate + 2.75%6.71%NPR 37,899 a monthLoan length: Up to 20 yrs
    • Mahalaxmi Ghar karja, up to 20 yearsFixed8.00%NPR 41,822 a monthLoan length: Up to 20 yrs
    • Ghar karja, up to 5 yearsFloating, base rate + 2.00%5.96%Up to 5 yrs onlyLoan length: Up to 5 yrs
    • Mahalaxmi Ghar karja, up to 10 yearsFloating, base rate + 2.00%5.96%Up to 10 yrs onlyLoan length: Up to 10 yrs
    • Tapai ko aafno Ghar karja, up to 5 yearsFloating, base rate + 2.00%5.96%Up to 5 yrs onlyLoan length: Up to 5 yrs
    • Ghar karja, up to 10 yearsFloating, base rate + 2.25%6.21%Up to 10 yrs onlyLoan length: Up to 10 yrs
    • Mahalaxmi Ghar karja, up to 15 yearsFloating, base rate + 2.25%6.21%Up to 15 yrs onlyLoan length: Up to 15 yrs
    • Tapai ko aafno Ghar karja, up to 10 yearsFloating, base rate + 2.25%6.21%Up to 10 yrs onlyLoan length: Up to 10 yrs
    • Ghar karja, up to 15 yearsFloating, base rate + 2.50%6.46%Up to 15 yrs onlyLoan length: Up to 15 yrs
    • Tapai ko aafno Ghar karja, up to 15 yearsFloating, base rate + 2.50%6.46%Up to 15 yrs onlyLoan length: Up to 15 yrs
    • Ghar karja, up to 5 yearsFixed7.25%Up to 5 yrs onlyLoan length: Up to 5 yrs
    • Ghar karja, up to 10 yearsFixed7.50%Up to 10 yrs onlyLoan length: Up to 10 yrs
    • Mahalaxmi Ghar karja, up to 10 yearsFixed7.50%Up to 10 yrs onlyLoan length: Up to 10 yrs
    • Mahalaxmi Ghar karja, up to 15 yearsFixed7.75%Up to 15 yrs onlyLoan length: Up to 15 yrs
    • Ghar karja, up to 15 yearsFixed8.00%Up to 15 yrs onlyLoan length: Up to 15 yrs
  • Nepal SBI BankKartik 2083 sheet
    Base rate 5.08%Origination fee 0.75%, NPR 37,500 once (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • Home LoanFloating, base rate + 0.50% to 2.50%5.58% to 7.58%from NPR 34,621 a month
    • Home LoanFixed8.99% to 10.49%from NPR 44,954 a month
  • Sanima BankAsoj 2083 sheet
    Base rate 4.60%Origination fee 0.75%, NPR 37,500 once (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • ECO-HOME LoanFloating, base rate + 1.00% to 3.00%5.60% to 7.60%from NPR 34,677 a month
    • HOME LoanFloating, base rate + 1.50% to 3.50%6.10% to 8.10%from NPR 36,111 a month
  • Global IME BankKartik 2083 sheet
    Base rate 4.61%Origination fee 0.75%, NPR 37,500 once (listed for retail and SME loans) (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • Home LoanFloating, base rate + 1.00% to 3.00%5.61% to 7.61%from NPR 34,706 a month
    • Home LoanFixed8.99% to 10.99%from NPR 44,954 a month
  • Kumari BankKartik 2083 sheet
    Base rate 4.83%Origination fee 0.75%, NPR 37,500 once (listed for retail loans) (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • Home LoanFloating, base rate + 1.00% to 3.00%5.83% to 7.83%from NPR 35,333 a month
    1 more rate from Kumari Bank
    • Home Loan (Up to 7 Years)Fixed6.29%Up to 7 yrs onlyLoan length: Up to 7 yrs
  • Nepal BankKartik 2083 sheet
    Base rate 4.38%Origination fee 0.75%, NPR 37,500 once (listed for consumer loans) (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • Sharba Shulav Aawas Karja (Above 15 TO 20 Years)Floating, base rate + 1.50%5.88%NPR 35,476 a monthLoan length: Over 15, up to 20 yrs
    • Shulav Aawas Karja (Above 15 years Upto 20 Years term)Floating, base rate + 2.00%6.38%NPR 36,926 a monthLoan length: Over 15, up to 20 yrs
    • Home Loan (Above 10 Years Term)Floating, base rate + 2.42%6.80%NPR 38,167 a monthLoan length: Over 10 yrs
    9 more rates from Nepal Bank
    • Professional Home LoanFloating, base rate + 2.42%6.80%NPR 38,167 a month
    • Nepalaxmi Home LoanFloating, base rate + 2.42%6.80%NPR 38,167 a month
    • Sharba Shulav Aawas Karja (Upto 5 Years)Floating, base rate + 0.50%4.88%Up to 5 yrs onlyLoan length: Up to 5 yrs
    • Shulav Aawas Karja (Above 5 years term Upto 10 Years Term)Floating, base rate + 1.00%5.38%Up to 10 yrs onlyLoan length: Over 5, up to 10 yrs
    • Sharba Shulav Aawas Karja (Above 5 Upto 15 Years)Floating, base rate + 1.00%5.38%Up to 15 yrs onlyLoan length: Over 5, up to 15 yrs
    • Shulav Aawas Karja (Above 10 years term Upto 15 years Term)Floating, base rate + 1.50%5.88%Up to 15 yrs onlyLoan length: Over 10, up to 15 yrs
    • Sharba Shulav Aawas Karja (Above 20 to 25 Years)Floating, base rate + 2.00%6.38%Up to 25 yrs onlyLoan length: Over 20, up to 25 yrs
    • Home Loan (5 years term)Floating, base rate + 2.42%6.80%Up to 5 yrs onlyLoan length: Up to 5 yrs
    • Home Loan (10 years term)Floating, base rate + 2.42%6.80%Up to 10 yrs onlyLoan length: Up to 10 yrs
  • Prabhu BankKartik 2083 sheet
    Base rate 4.93%Origination fee 0.75%, NPR 37,500 once (listed for consumer loans) (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • Prabhu Home Loan- Upto Rs. 30 mio (Above 5 Years - 10 Years)Floating, base rate + 1.00% to 3.00%5.93% to 7.93%from NPR 35,620 a monthLoan length: Over 5 yrs
    • Low Cost HousingFloating, base rate + 1.00% to 3.00%5.93% to 7.93%from NPR 35,620 a month
    • Prabhu Home Loan- Upto Rs. 30 mio (Above 10 Years - 15 Years)Floating, base rate + 1.50% to 2.50%6.43% to 7.43%from NPR 37,073 a monthLoan length: Over 10 yrs
    4 more rates from Prabhu Bank
    • Prabhu Home Loan- Upto Rs. 30 mio (Above 15 Years - 20 Years)Floating, base rate + 2.00% to 4.00%6.93% to 8.93%from NPR 38,555 a monthLoan length: Over 15 yrs
    • Home LoanFixed8.00% to 8.50%from NPR 41,822 a month
    • Prabhu Home Loan- Upto Rs. 30 mio (Upto 5 Years)Floating, base rate + 0.75% to 2.75%5.68% to 7.68%Up to 5 yrs onlyLoan length: Up to 5 yrs
    • Prabhu Home Loan- Upto Rs. 30 mio (Above 20 Years - 25 Years)Floating, base rate + 2.00% to 4.00%6.93% to 8.93%Over 20 yrs onlyLoan length: Over 20 yrs
  • Citizens Bank InternationalKartik 2083 sheet
    Base rate 4.91%Origination fee 0.75%, NPR 37,500 once (listed for consumer loans) (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • Citizens Sajilo Ghar Loan - Fixed Interest Rate - 5 YearsFixed5.99%NPR 35,793 a month
    • Citizens Home Loan - Fixed Interest -7 Years VFixed6.99%NPR 38,735 a month
    • Citizens Home LoanFloating, base rate + up to 2.50%Up to 7.41%up to NPR 40,005 a month
    4 more rates from Citizens Bank International
    • Citizens Home Loan Fixed Interest -7 Years IVFixed7.99%NPR 41,791 a month
    • Citizens Home Loan Fixed Interest -7 Years IIIFixed8.99%NPR 44,954 a month
    • Citizens Home LoanFixed9.00% to 10.00%from NPR 44,986 a month
    • Citizens Home Loan Fixed Interest -7 Years IIFixed9.99%NPR 48,218 a month
  • Siddhartha BankKartik 2083 sheet
    Base rate 4.88%Origination fee 0.75%, NPR 37,500 once (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • Home LoanFixed5.99% to 9.00%from NPR 35,793 a month
    • Siddhartha Hamro Ghar KarjaFixed5.99%NPR 35,793 a month
    • Home LoanFloating, base rate + up to 3.00%Up to 7.88%up to NPR 41,449 a month
  • Standard Chartered Bank NepalKartik 2083 sheet
    Base rate 4.12%Origination fee 0.75%, NPR 37,500 once (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • Home LoanFloating, base rate + 2.00% to 3.50%6.12% to 7.62%from NPR 36,169 a month
    • Home Loan (fixed, above 10 yrs)Fixed8.75%NPR 44,186 a monthLoan length: Over 10 yrs
    1 more rate from Standard Chartered Bank Nepal
    • Home Loan (fixed, upto 10 yrs)Fixed8.50%Up to 10 yrs onlyLoan length: Up to 10 yrs
  • Prime Commercial BankKartik 2083 sheet
    Base rate 4.84%Origination fee: ask the bankBank's rates (opens in a new tab)
    • Prime Home LoanFixed7.50% to 9.50%from NPR 40,280 a month
    • Prime Home LoanFloating, base rate + up to 5.00%Up to 9.84%up to NPR 47,722 a month
    • Prime Home Loan - RepairFloating, base rate + up to 5.00%Up to 9.84%up to NPR 47,722 a month
  • Agricultural Development BankKartik 2083 sheet
    Base rate 4.59%Origination fee 0.75%, NPR 37,500 once (listed for new loans) (the bank's tariff, opens in a new tab)Bank's rates (opens in a new tab)
    • Home Loan/House Purchase Loan (Above 15 Years)Floating, base rate + up to 3.00%Up to 7.59%up to NPR 40,555 a monthLoan length: Over 15 yrs
    • Home Loan/House Purchase Loan (>15 to 20 years)Fixed10.65%NPR 50,424 a monthLoan length: Over 15, up to 20 yrs
    7 more rates from Agricultural Development Bank
    • Home Loan/House Purchase Loan (Upto5 Years)Floating, base rate + up to 3.00%Up to 7.59%Up to 5 yrs onlyLoan length: Up to 5 yrs
    • Home Loan/House Purchase Loan (>5 to 10 Years)Floating, base rate + up to 3.00%Up to 7.59%Up to 10 yrs onlyLoan length: Over 5, up to 10 yrs
    • Home Loan/House Purchase Loan (> 10 to 15 Years)Floating, base rate + up to 3.00%Up to 7.59%Up to 15 yrs onlyLoan length: Over 10, up to 15 yrs
    • Home Loan/House Purchase Loan (upto 5 years)Fixed9.15%Up to 5 yrs onlyLoan length: Up to 5 yrs
    • Home Loan/House Purchase Loan (>5 to 10 years)Fixed9.65%Up to 10 yrs onlyLoan length: Over 5, up to 10 yrs
    • Home Loan/House Purchase Loan (>10 to 15years)Fixed10.15%Up to 15 yrs onlyLoan length: Over 10, up to 15 yrs
    • Home Loan/House Purchase Loan (>20 to 25 Years)Fixed11.15%Up to 25 yrs onlyLoan length: Over 20, up to 25 yrs

Each monthly payment uses that product's lowest rate, or its highest where the bank only states a ceiling, and assumes the rate stays the same throughout. Floating rates move with the base rate. An origination fee is charged once, on top of the monthly payment: 17 of the 18banks whose fee we could confirm charge 0.75%. Each comes from the bank's own list of charges, checked 1 Nov 2026, and a bank may waive part of it, so ask.

These are the rates each bank publishes, not an offer from the bank or from Nepal Niwas. Your rate depends on the bank's assessment, and fees are extra. Confirm with the bank before you decide.

Home loan rates in Nepal for Kartik 2083

We compare the home loan (ghar karja, घर कर्जा) rates 18 banks in Nepal publish. The lowest published rate is 4.88% at Nepal Bank, and the middle bank's lowest rate is 5.58%. The lowest fixed rate is 5.99% at Citizens Bank International.

The three lowest starting rates are at Nepal Bank (4.88%), Nabil Bank (4.91%), Everest Bank (5.18%). Base rates, which floating loans are priced from, run from 3.96% to 5.08%. A bank's lowest rate usually applies to particular loan sizes or terms, so compare the products as well as the headline.

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Home loan interest rates by bank

Home Loan Rate Questions

What people ask when they compare interest rates between banks in Nepal.

Of the 18 banks here, the lowest published rate is 4.88% at Nepal Bank. The lowest floating rate is 4.88% at Nepal Bank. The lowest fixed rate is 5.99% at Citizens Bank International. The lowest rates usually depend on the size and length of the loan, so open a bank to see what each one applies to.

A floating rate is the bank's base rate plus a premium, so your payment can change when the base rate does. A fixed rate stays the same for an agreed period, usually a few years, and banks tend to set it higher than their lowest floating rate.

It's the bank's own minimum lending rate, worked out from what its money costs it. Banks in Nepal publish it monthly and price floating loans as the average of the last three months plus a premium. Among these banks it currently runs from 3.96% to 5.08%.

Some banks publish only the most they will charge, such as base rate plus up to 2.50%. The rate you'd get could be lower, but the bank doesn't say how much lower, so we show those banks after the ones that publish a starting rate.

Not necessarily. These are the rates each bank publishes, not an offer. Your rate depends on the bank's view of your income, the property and the loan, and processing fees are extra. Confirm with the bank before you decide.

We check each bank every day. Most banks publish a new sheet monthly and some change it mid-month. Each bank here shows which sheet its rates are from and the date we last checked it, with a link to the bank's own site.

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