Most commercial banks in Nepal finance up to 70-80% of the valuation of a residential property, with tenures reaching 20-25 years for salaried borrowers.
Your EMI is calculated on the reducing-balance method. A rate of 10% on a Nrs. 1 crore loan over 20 years works out to roughly Nrs. 96,500 per month — use our EMI calculator to model your own numbers.
Banks typically cap total EMI obligations at 50-60% of your verified monthly income, so existing auto or personal loans reduce your eligibility directly.
Keep the lalpurja, blueprint approval, tax clearance and citizenship copies ready. A clean four-boundary (chaar killa) report speeds up valuation more than anything else.
Finally, budget separately for registration charges, capital gains on the seller's side if negotiated, and 13% VAT where it applies to new apartment sales.