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 – 23 Sept 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.
20 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%
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%
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
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.
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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