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%
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.
8 banks
- Lowest
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
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
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.
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'.
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.
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