Best Home Loan Interest Rates in Nepal 2026 — All Commercial Banks
All banks ranked by home loan rate for 2026 (Asar 2083), cheapest first, with EMI guidance.
The cheapest home loan in Nepal for 2026 (Asar 2083) starts at Nepal Bank — 5.09% p.a. Effective rates are the bank's base rate plus a premium; the full ranking is below.
Cheapest home loan rates in Nepal 2026
Every bank's lowest published effective home loan rate for Asar 2083, cheapest first.
| Rank | Bank | Effective rate (from) | Base + premium |
|---|---|---|---|
| 1 | Nepal Bank | 5.09% | 4.59% + 0.50% |
| 2 | RBB | 5.22% | 4.22% + 1.00% |
| 3 | Prime | 5.30% | 5.30% + 0.00% |
| 4 | NIMB | 5.55% | 4.80% + 0.75% |
| 5 | MBL | 5.58% | 5.08% + 0.50% |
| 6 | NMB | 5.62% | 5.12% + 0.50% |
| 7 | Laxmi Sunrise | 5.66% | 5.16% + 0.50% |
| 8 | Himalayan | 5.81% | 5.31% + 0.50% |
| 9 | Sanima | 5.97% | 4.97% + 1.00% |
| 10 | Prabhu | 6.12% | 5.12% + 1.00% |
| 11 | SCB | 6.23% | 4.23% + 2.00% |
| 12 | Kumari | 6.27% | 5.27% + 1.00% |
| 13 | NIC Asia | 6.99% | 6.99% (fixed) |
| 14 | Everest | 7.49% | 7.49% (fixed) |
| 15 | Siddhartha | 7.75% | 7.75% (fixed) |
| 16 | Citizens | 7.99% | 7.99% (fixed) |
| 17 | Nabil | 8.49% | 8.49% (fixed) |
| 18 | Nepal SBI | 8.99% | 8.99% (fixed) |
| 19 | Global IME | 8.99% | 8.99% (fixed) |
| 20 | ADBL | 10.15% | 10.15% (fixed) |
How the rate is built
In Nepal, a floating loan rate = the bank's base rate + a premium (spread). When NRB policy eases, base rates fall and your EMI drops at the next reset. Estimate your monthly payment with the EMI calculator and compare every bank on the home loan page.
What lenders check
Income and repayment capacity, the property/collateral value and loan-to-value (LTV) limit, your credit history, and tenure. A lower effective rate plus a longer tenure means a smaller EMI — but more total interest.
Rates are revised every Nepali month and can change. Always confirm the current figure on the BFIS Compare comparison page before you apply.
Frequently asked questions
Which bank has the cheapest home loan in Nepal 2026?+
Nepal Bank, from 5.09% p.a., as of Asar 2083.
How is the interest rate calculated?+
Base rate + a premium (spread) for floating loans; some banks also offer a fixed-rate option.
Will my EMI change?+
On a floating loan, yes — it resets when the bank's base rate changes.
Written by
Sandeep Kumar ChaudharyFounder of BFIS Compare, writing about Nepal's banks, deposit rates and loans. sandeepkumarchaudhary.com