Nabil Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- 4.91% – 7.41%
- Base rate 4.41% + 0.5–3%
- Land / property loan
- 5.41% – 7.66%
- Up to 35 years
- Up to 80% of the value
Home loan interest rates
Home loan rates published by Nepal’s banks, sorted by the lowest rate.
Rates as of 17 Sept 2026 – 18 Oct 2026
Photo: Billjones94 · CC BY-SA 4.0 · Cropped to 4:3 and resized to WebP
Rates change monthly; confirm with the bank. What you are offered depends on your income, the property and the bank’s premium for you.
42 banks
- Lowest
Nepal Bank
Commercial banks
As of 23 Sept 2026
- Home loan
- 4.91% – 6.83%
- Base rate 4.41% + 0.5–2.42%
- Land / property loan
- 6.16% – 8.16%
- Up to 25 years
- Up to 70% of the value
Everest Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- 5.18% – 7.18%
- Base rate 4.18% + 1–3%
- Land / property loan
- —
- Up to 35 years
- Up to 75% of the value
Machhapuchchhre Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- 5.43% – 7.93%
- Base rate 4.93% + 0.5–3%
- Land / property loan
- 5.93% – 7.93%
- Up to 25 years
- Up to 80% of the value
Laxmi Sunrise Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- 5.44% – 7.44%
- Base rate 4.94% + 0.5–2.5%
- Land / property loan
- 5.94% – 7.94%
- Up to 20 years
- Up to 80% of the value
- Home equity loan: base rate + 1% to 3%
NMB Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- 5.51% – 7.51%
- Base rate 5.01% + 0.5–2.5%
- Land / property loan
- 6.01% – 8.01%
- Up to 35 years
- Up to 80% of the value
Himalayan Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- 5.59% – 9.09%
- Base rate 5.09% + 0.5–4%
- Land / property loan
- 5.59% – 9.09%
- Up to 25 years
- Up to 80% of the value
Rastriya Banijya Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- 5.63% – 6.88%
- Base rate 4.13% + 1.5–2.75%
- Land / property loan
- 6.88% – 7.13%
- Up to 20 years
- Mortgage loan: base rate + 2.75% to 3%
Global IME Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- 5.64% – 7.64%
- Base rate 4.64% + 1–3%
- Land / property loan
- 6.14% – 8.14%
Nepal SBI Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- 5.64% – 7.64%
- Base rate 5.14% + 0.5–2.5%
- Land / property loan
- 5.64% – 7.64%
- Up to 30 years
NIC Asia Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- 5.69% – 7.69%
- Base rate 5.69% + 0–2%
- Land / property loan
- 6.69% – 8.69%
- Up to 25 years
- Up to 80% of the value
Prabhu Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- 5.69% – 8.94%
- Base rate 4.94% + 0.75–4%
- Land / property loan
- 6.94% – 8.94%
- Up to 25 years
- Real estate loan (personal): base rate + 2% to 4%
Sanima Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- 5.71% – 8.21%
- Base rate 4.71% + 1–3.5%
- Land / property loan
- 6.26% – 8.21%
Muktinath Bikas Bank
Development banks
As of 17 Sept 2026
- Home loan
- 5.77% – 7.77%
- Base rate 5.52% + 0.25–2.25%
- Land / property loan
- 7.52% – 9.52%
Jyoti Bikas Bank Limited
Development banks
As of 17 Sept 2026
- Home loan
- 5.84% – 10.74%
- Base rate 5.74% + 0.1–5%
- Land / property loan
- —
- Up to 35 years
Kumari Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- 5.85% – 7.85%
- Base rate 4.85% + 1–3%
- Land / property loan
- 6.35% – 8.35%
- Up to 30 years
- Up to 70% of the value
- Real estate loan: base rate + 2% to 4%
Manjushree Finance Limited
Finance companies
As of 17 Sept 2026
- Home loan
- 5.89% – 9.89%
- Base rate 5.89% + 0–4%
- Land / property loan
- —
- Up to 25 years
- Up to 60% of the value
Standard Chartered Bank Nepal Limited
Commercial banks
As of 17 Sept 2026
- Home loan
- 6.12% – 7.62%
- Base rate 4.12% + 2–3.5%
- Land / property loan
- —
- Up to 25 years
- Up to 70% of the value
Garima Bikas Bank Limited
Development banks
As of 17 Sept 2026
- Home loan
- 6.14% – 8.14%
- Base rate 5.14% + 1–3%
- Land / property loan
- 6.14% – 8.14%
- Up to 30 years
ICFC Finance
Finance companies
As of 18 Oct 2026
- Home loan
- 6.79% – 8.79%
- Base rate 5.79% + 1–3%
- Land / property loan
- —
Reliance Finance Limited
Finance companies
As of 17 Sept 2026
- Home loan
- 7.18% – 8.93%
- Base rate 6.68% + 0.5–2.25%
- Land / property loan
- 7.68% – 9.68%
- Up to 25 years
- Up to 70% of the value
Citizens Bank International
Commercial banks
As of 17 Sept 2026
- Home loan
- up to 7.47%
- Land / property loan
- —
- Up to 25 years
- Up to 80% of the value
- Floating: base rate + up to 2.50% (no minimum stated); fixed 9.00% (6-10 yrs), 9.50% (11-15 yrs), 10.00% (16+ yrs); fixed-rate schemes 6.99-9.99% (fixed 7 yrs) and Sajilo Ghar 5.99% (fixed 5 yrs). baseRate = average base rate Bhadra 2083 (monthly 4.91%). Product page: max 25 yrs; 70-80% of fair market value for land+building or construction, 50% for land only.
Agricultural Development Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- up to 7.55%
- Land / property loan
- —
- Up to 25 years
- Home Loan/House Purchase Loan: premium on base rate 'up to 3%' for all tenures (up to 5, 5-10, 10-15, above 15 yrs). Fixed EMI rates: 9.15% (up to 5 yrs), 9.65% (5-10 yrs), 10.15% (10-15 yrs), 10.65% (15-20 yrs); the 20-25 yr rate is illegible on the page. Base rate 4.55% is the 3-month average (effective) shown for Bhadra 2083 on adbl.gov.np/base-rate. Home-loan offer page: financing up to 70% of construction/extension/renovation cost, up to 15 yrs for construction.
- Land purchase loan: base rate + up to 3%
Siddhartha Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- up to 7.96%
- Land / property loan
- —
- Up to 25 years
- Floating: base rate + up to 3.00% (no minimum stated); fixed 5.99% (up to 7 yrs), 8.49% (7-10 yrs), 9.00% (above 10 yrs); Hamro Ghar Karja 5.99% fixed for 7 yrs. baseRate = average base rate of preceding 3 months printed on the notice (Shrawan 2083 monthly 4.84%). Product page: up to 25 yrs incl. moratorium.
Nepal Investment Mega Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- up to 8.55%
- Land / property loan
- 6.05% – 8.05%
- Up to 30 years
- Up to 80% of the value
- Premium over applicable base rate (4.55%, 3-month average): Housing Loan up to NPR 30 million up to 2.00%; Housing Loan above NPR 30 million (real estate categorization) 2.00-4.00%; Eco Home Loan 0.75%. Fixed: 7.00% for housing loans up to NPR 30 million for 7 yrs. Product page: up to 30 yrs (20 yrs if repaid from remittance only); first-time borrowers up to 80% of FMV, otherwise up to 70%; construction up to 100% of cost within that limit.
Progressive Finance Limited
Finance companies
As of 17 Sept 2026
- Home loan
- up to 9.09%
- Land / property loan
- —
- Third-party repost: pfltd.com.np loads its rate notices ('Interest Rate' tab on /announcement-notices) and loan details from an API that needs a token, so the page text does not show them. The lender's notice (effective 2083/06/01, 17 Sep 2026) was therefore read from ShareSansar's repost. One line covers Home, Real Estate, Auto/Hire Purchase, Personal and other loans: base rate + premium up to 2%. Fixed rate for all loan products is 9.99% for the first 5 years. baseRate = average base rate 7.09% as stated in the notice ('Applicable for Bhadra 2083'). Product list on pfltd.com.np/personal-loans: home loan for purchase or construction of land, land and building, flat, duplex, commercial complex or apartment. No tenure or LTV stated.
Lumbini Bikas Bank Limited
Development banks
As of 17 Sept 2026
- Home loan
- up to 9.36%
- Land / property loan
- —
- Up to 25 years
- Notice 'Interest Rate Effective from 1st Ashoj 2083 (September 17, 2026)': Home Loan = base rate + premium up to 4%. The notice gives no base-rate figure and links to the bank's base & spread rate page (lumbinibikasbank.com/rates--charges-footer/base--spread-rates), where Bhadra 2083 base rate is 5.36% and average base rate 5.46%; baseRate uses the monthly figure because the notice says 'Base Rate' (with the average the maximum would be 9.46%). Fixed: Home Loan 11.00% (up to 5 yrs), 11.50% (above 5 yrs). Home-loan page: land/house purchase, construction, flats/apartments, low-cost housing, refinancing, renovation; NPR 1 lakh to 50 million; up to 25 yrs incl. max 1-yr moratorium; no LTV stated. A 'Real Estate Loan (OD/DL/TL)' at base rate + 1.5-4% is listed but has no product page, so not included.
Mahalaxmi Bikas Bank Limited
Development banks
As of 17 Sept 2026
- Home loan
- up to 9.4%
- Land / property loan
- —
- Up to 30 years
- Notice 'effective from: September 17, 2026 (1st Aswin, 2083)': Home Loan = base rate + up to 3.75%; notice lists 'Base rate (Average)' 5.65% (used here) and 'Base rate (Shrawan 2083)' 5.64%. Fixed: Green Home Loan 6.49-9.99% (Green Home Loan page: 6.49% scheme rate fixed for 7 yrs, up to 70% of FMV, up to 30 yrs, NPR 0.7-30 million); notice also lists 'Other Term Loan including Business Loan' fixed 5.99-9.99%, and personal term loans above 1 yr may choose fixed or floating. Home-loan page: purchase, construction, extension, renovation; NPR 5 lakh to 2 crore; 2-30 yrs; no LTV stated.
Nepal Finance
Finance companies
As of 17 Sept 2026
- Home loan
- 9.5% – 10%
- Land / property loan
- —
- Third-party repost: the lender's own site (nepalfinance.com.np, the address printed on its notice) shows a bot check and could not be read, so the lender's Ashwin 2083 notice (applicable from Ashoj 01, 2083) was read from ShareSansar's repost. The notice publishes fixed rates for individual Home Loan: 9.50% (1-3 years), 9.75% (above 3 to 5 years), 10.00% (above 5 years); rateMin/rateMax are these fixed rates. Its floating table has no separate home-loan line (Consumer & Other Loan Products: base rate + up to 4% premium; Business Loan: base rate + up to 3%). baseRate = average base rate of the last three months, 7.50%, as stated in the notice.
Shine Resunga Development Bank Limited
Development banks
As of 17 Sept 2026
- Home loan
- up to 9.53%
- Land / property loan
- —
- Up to 20 years
- Up to 60% of the value
- Notice 'Effective From 2083-06-01 (17th September, 2026)' (table loaded by the page's own data request): no separate floating home-loan line; 'All other Loan & Advances' = Base Rate + up to 4.00% premium, with 'Base Rate (Shrawan 2083)' 5.53% (monthly base rate). Fixed: Personal Home Loan 7.00% (up to 7 yrs), 9.52% (above 7 yrs). Home-loan page: purchase/construction of residential building or apartment, land purchase for house construction, renovation, refinancing; 1-20 yrs; up to NPR 10 million; up to 80% of valuator-certified cost but not more than 60% of the collateral's fair market value (maxLtvPercent = the 60% FMV cap).
Sangrila Development Bank Limited
Development banks
As of 18 Oct 2026
- Home loan
- up to 9.56%
- Land / property loan
- —
- Up to 25 years
- Notice 'Effective from 2083 Kartik 1' (18 October 2026; already published on 16 October): Shangri-la Home Loan = average base rate + up to 3.99%. The notice prints the monthly Base Rate as of Bhadra end 2083 (5.62%) but states loan rate = average base rate + premium; baseRate = 'Average Base Rate' for 2083 Bhadra end (5.57%) from the bank's average-base-rate page. Fixed rate for personal term loans (individual), up to 7 yrs: 10.99%. Home-loan page: for land, building, apartment, renovation or new construction for residence; NPR 0.5-15 million; up to 25 yrs; no LTV stated. NRB lists the bank as 'Sangrila Development Bank'.
Shree Investment & Finance Company Limited
Finance companies
As of 18 Oct 2026
- Home loan
- up to 10.34%
- Land / property loan
- —
- Up to 80% of the value
- Notice applying from 1 Kartik 2083 (linked as 'Kartik (083/84)' on https://www.shreefinance.com.np/interest-rate/). No home-loan-specific line: 'all other loans' = average base rate + maximum 4.00% premium; fixed interest rate 9%. baseRate = average base rate 6.34% (end of Bhadra 2083). Previous notice (1 Ashwin 2083): average base rate 6.44%, same premium, fixed 11%. Home-loan page: loan up to 80% of property value; tenure not stated.
Kamana Sewa Bikas Bank
Development banks
As of 17 Sept 2026
- Home loan
- up to 10.52%
- Land / property loan
- —
- Up to 25 years
- Up to 80% of the value
- Notice (image on the rate page, backend.kamanasewabank.com/storage/photos/30/int rate as.jpg) 'Effective From 1st Ashwin 2083 (17th September 2026)': no separate home-loan line; 'All others loans and advances' = Base Rate + up to 5%; 'Average Base Rate of Last 3 Months' 5.52%. Fixed for personal term loans: 8.99% (up to 7 yrs), 9.49% (7-10 yrs), 9.99% (above 10 yrs); premium 0.25% lower on green-financing loans. Mortgage Loan page, Home Loan section: up to 80% of FMV for first-time home buyers, up to 70% for others; 3-25 yrs; up to NPR 30 million; built-up area within 3,000 sq ft. The same page offers a Plot Purchase Loan (50% of FMV, 3-25 yrs, up to NPR 50 million) and a Personal Equity Loan (50% of FMV) with no separate published rate.
Goodwill Finance Limited
Finance companies
As of 17 Sept 2026
- Home loan
- up to 10.65%
- Land / property loan
- —
- Notice effective 1 Ashwin 2083 (17 Sep 2026), published 31 Bhadra 2083. It gives one line for 'All Loans': premium up to 4.00% p.a. on base rate, subject to internal risk rating; no separate home-loan rate. Fixed rates for all loans: 9.50-12.00% (up to 3 years), 12.25-13.25% (up to 5 years), 14.50% (up to 10 years and above). baseRate = 'Average Base Rate (BR)' 6.65% from the notice; base rate for Shrawan is 6.61%. The housing loan product page (goodwillfinance.com.np/loans/housing-loan) covers buying or building a house or flat but states no tenure or LTV.
Gurkhas Finance Limited
Finance companies
As of 18 Oct 2026
- Home loan
- up to 11.1%
- Land / property loan
- —
- Up to 50% of the value
- Kartik 2083 notice (effective 2083.07.01 = 18 October 2026), read from ShareSansar's repost because the lender's own site still showed its Ashwin notice on 16 October: 'All loan except FD loan: Base rate + upto 5%'; average base rate for Ashwin 2083 6.10% (Bhadra-end base rate 6.11%). The notice says detailed rates are on the company website. Its Ashwin notice (gurkhasfinance.com.np/interest-rates) listed Home Loan at BR + up to 5% with fixed rates of 10.00% (up to 5 yrs), 10.50% (5-10 yrs) and 11.00% (above 10 yrs). LTV from its Mortgage Loan page (house construction, purchase, plot purchase, renovation): up to 50% of FMV or as directed by NRB.
Central Finance Limited
Finance companies
As of 17 Sept 2026
- Home loan
- up to 11.41%
- Land / property loan
- —
- Notice effective 1st Ashwin 2083 (17/09/2026): 'All Loan Products' base rate + up to 5.00% (no home-loan-specific line); 'All Fixed Interest Rate Loan Products' 12.00%. baseRate = average base rate as on Shrawan 2083 (6.41%). Its Residential/Personal Home Loan page (land, building and apartment purchase, construction, renovation) gives no tenure or LTV. No Kartik 2083 notice on its site as of 2026-10-16.
Best Finance Limited
Finance companies
As of 17 Sept 2026
- Home loan
- up to 13.1%
- Land / property loan
- —
- Notice PDF effective 17 Sep 2026 (Ashwin 1, 2083), linked as 83/84 Ashwin: 'Other Loan' average base rate + up to 5% premium; fixed home loan 9.90% (up to 5 yrs), 10.50% (up to 10 yrs), 10.90% (up to 15 yrs). baseRate = average base rate 8.10% stated on the notice (3-month average to Shrawan 2083 on its base-rate page; the Bhadra 2083 3-month average there is 7.94%). Home-loan page: base rate + up to 5% premium; covers land, house and apartment purchase, construction, renovation and refinancing; no tenure or LTV stated. No Kartik 2083 notice on its site as of 2026-10-16.
Guheswori Merchant Banking & Finance
Finance companies
As of 17 Sept 2026
- Home loan
- Not published yet
- Check the current rate with the lender.
- Land / property loan
- —
- Rate page could not be read: gmbf.com.np (and www.gmbf.com.np) only shows a bot-verification page ('Please wait while your request is being verified...'). A ShareSansar repost of its notice effective 2083/06/01 (1 Ashwin 2083 = 2026-09-17; https://www.sharesansar.com/announcementdetail/guheswori-merchant-banking-finance-limited-has-published-a-notice-regarding-the-new-interest-rate-for-deposit-and-loan-products-and-its-effective-from-1st-ashwin-2083-2026-09-16) has no separate home/housing-loan line (Term Loan/Overdraft (Personal Type) and Other Loan: base rate + up to 5%; fixed-rate term loans 8.00% for 1-2 yrs, 10.00% for 2-5 yrs, 11.00% above 5 yrs; base rate 6.28% = average Shrawan 2083), so no home-loan rate is recorded. Whether it offers a home loan could not be checked on its site.
Janaki Finance Company
Finance companies
As of 17 Sept 2026
- Home loan
- Not published yet
- Check the current rate with the lender.
- Land / property loan
- —
- Rate page could not be read. jfcl.com.np and other variants do not resolve. ShareSansar's company page gives the website as www.jfcjanakpur.com, which does not resolve; www.jfcjanakpur.com.np responds but shows a bot check ('One moment, please...'), so its content and ownership could not be confirmed. ShareSansar's announcement list for JFL has no interest-rate notices; its latest items are quarterly reports. ShareSansar's BFI rate table shows no rates for JFL for Ashwin 2083.
Multipurpose Finance
Finance companies
As of 17 Sept 2026
- Home loan
- Not published yet
- Check the current rate with the lender.
- Land / property loan
- —
- Rate page could not be read. multipurposefinance.com resolves but every page shows a bot check ('One moment, please...'), so its content, and that it belongs to this lender, could not be confirmed; its TLS certificate covers a banksmart.multipurposefinance.com subdomain. ShareSansar lists no website for MPFL, and its announcement list has no interest-rate notices; the latest items are quarterly reports and the 28th AGM. ShareSansar's BFI rate table shows no rates for MPFL for Ashwin 2083.
Pokhara Finance
Finance companies
As of 17 Sept 2026
- Home loan
- Not published yet
- Check the current rate with the lender.
- Land / property loan
- —
- Home-loan rate not confirmed. pokharafinance.com.np, the address printed on its notices, shows a bot check on every page, and its notices do not list loan premiums. The Ashwin 2083 notice (effective 2083/06/01, 17 Sep 2026; ShareSansar repost: https://www.sharesansar.com/announcementdetail/pokhara-finance-limited-has-published-a-notice-regarding-the-new-interest-rate-for-deposit-and-loan-products-and-its-effective-from-1st-ashwin-2083-2026-09-16) gives only deposit rates and base rate: Shrawan-end 2083 base rate 6.77%, average base rate of the previous three months (Jestha-Shrawan 2083) 6.75%. It says loan premium rates and fixed-rate loan rates stay as published the previous month. The Bhadra, Shrawan, Ashad and Baisakh 2083 notices say the same, and earlier notices (e.g. Falgun 2082) say the premiums are on the company website. Merged with Samriddhi Finance Company; the two began joint operation as Pokhara Finance from 26 Ashad 2083.
Prime Commercial Bank
Commercial banks
As of 17 Sept 2026
- Home loan
- Not published yet
- Check the current rate with the lender.
- Land / property loan
- —
- Rate page could not be read: primebank.com.np (and www.) only shows a bot-verification page ('Please wait while your request is being verified...') to WebFetch and curl. No repost of its Ashwin or Kartik 2083 interest-rate notice was found on ShareSansar's announcement listing (checked back to 2026-09-08) or nepsetrading.com's announcement listing (latest 100 items, back to 2026-09-24). Devanagari name not seen on any page read.
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