Home loan EMI calculator
See what a loan would cost each month before you make an offer. Enter the price, what you can pay up front, the interest rate your bank quotes and how long you want to repay over.
Monthly payment
Rs 88,432
every month for 180 months
- Loan amount
- Rs 80,00,000
- Total interest
- Rs 79,17,745
- Total paid to the bank
- Rs 1,59,17,745
- Property cost with interest
- Rs 1,79,17,745
Principal 50%Interest 50%
An estimate only. Banks set their own rates, fees and service charges, and rates in Nepal are usually reviewed every few months.
How this is worked out
The equated monthly instalment spreads the loan and its interest over equal monthly payments. Each payment covers the interest for that month first, and what is left reduces what you owe, so early payments are mostly interest and later ones mostly principal.
- The loan amount is the price minus your down payment.
- Banks in Nepal usually lend up to a share of the valuation, so the down payment matters.
- Rates here are often reviewed every few months, so the payment can change during the term unless the rate is fixed.
- Service charges, valuation fees and insurance are not included.
These figures are an estimate to help you plan. Your bank sets the final terms.