Free Tool
EMI Calculator
Estimate your monthly home construction loan repayment based on loan amount, interest rate, and tenure.
Loan Details
NRs 50.00L
5L5 Cr
11% p.a.
8%18%
20 years
5 yr30 yr
Nepal Bank Rates (2026)
Nepal Bank Ltd10.5–11.5%
Rastriya Banijya10.5–12.0%
Nabil Bank11.0–12.5%
NIC Asia Bank11.0–13.0%
Everest Bank11.5–13.0%
Standard Chartered11.0–13.5%
Monthly EMI
NRs 51,609
per month for 20 years
Principal Amount
NRs 50.00L
loan taken
Total Interest
NRs 73.86L
cost of borrowing
Total Payment
NRs 1.24 Cr
principal + interest
Total Instalments
240
monthly payments
Payment Composition
Principal 40%
Interest 60%
For every rupee repaid, 40 paisa goes to principal and 60 paisa goes to interest.
Rates are indicative only. Actual rates vary by bank and borrower profile. Most Nepal banks require 20–30% down payment and offer home construction loans up to 70–80% of property value.