Home Loan EMI Calculator Nepal

Enter the loan amount, interest rate and tenure to see your monthly EMI instantly. Switch to Advanced for property price and down payment, processing fee, prepayments and a full amortization schedule you can download.

50.00 lakh
Rs.
%
20 years
Years

Monthly EMI

Rs. 48,251

Total interest

Rs. 65,80,260

65.80 lakh

Total payment (principal + interest)

Rs. 1,15,80,260

1.16 crore

Loan tenure

20 years

Payment breakdown

Principal
Rs. 50,00,000 (43%)
Interest
Rs. 65,80,260 (57%)

Principal & interest paid each year

PrincipalInterest
01.5L3L4.5L6L13579111315171920
Loan year

Results are estimates. Your bank's final EMI can differ slightly (rounding, fees, rate changes).

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How is EMI calculated?

Banks in Nepal calculate home loan EMIs with the reducing-balance method:

EMI = P × r × (1 + r)n ÷ [(1 + r)n − 1]

where P = loan amount, r = monthly interest rate (annual rate ÷ 12 ÷ 100) and n = number of months.

Example: a loan of Rs. 50,00,000 (50.00 lakh) at 10% a year for 20 years has an EMI of Rs. 48,251, and you pay Rs. 65,80,260 in interest over the loan.

EMI for common loan amounts at 10% interest

Loan amount10 years15 years20 years25 years
Rs. 10,00,000 (10.00 lakh)Rs. 13,215Rs. 10,746Rs. 9,650Rs. 9,087
Rs. 25,00,000 (25.00 lakh)Rs. 33,038Rs. 26,865Rs. 24,126Rs. 22,718
Rs. 50,00,000 (50.00 lakh)Rs. 66,075Rs. 53,730Rs. 48,251Rs. 45,435
Rs. 1,00,00,000 (1.00 crore)Rs. 1,32,151Rs. 1,07,461Rs. 96,502Rs. 90,870

EMI per Rs. 1 lakh of loan

For a quick estimate, multiply the figure below by your loan amount in lakh.

Interest rate10 years15 years20 years25 years
8%Rs. 1,213Rs. 956Rs. 836Rs. 772
9%Rs. 1,267Rs. 1,014Rs. 900Rs. 839
10%Rs. 1,322Rs. 1,075Rs. 965Rs. 909
11%Rs. 1,378Rs. 1,137Rs. 1,032Rs. 980
12%Rs. 1,435Rs. 1,200Rs. 1,101Rs. 1,053
13%Rs. 1,493Rs. 1,265Rs. 1,172Rs. 1,128

How to lower your EMI or total interest

  • Make a bigger down payment — a smaller loan means a smaller EMI and less interest.
  • Prepay when you get a bonus or savings — use Advanced mode to see the interest you save.
  • A longer tenure lowers the EMI but raises the total interest a lot; choose the shortest tenure you can afford.
  • Compare interest rates, premiums and processing fees across banks before you sign.
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Frequently Asked Questions

What is EMI?

EMI (Equated Monthly Instalment) is the fixed amount you pay your bank every month until the loan is repaid. Each EMI contains interest and principal — early EMIs are mostly interest, later ones mostly principal.

How is home loan EMI calculated?

EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the loan amount, r the monthly interest rate and n the number of months. This calculator uses exactly that formula.

What is the EMI for a 50.00 lakh home loan?

At 10% interest for 20 years the EMI is about Rs. 48,251 a month. Change the rate or tenure in the calculator above to see other combinations.

Does prepaying a home loan reduce interest?

Yes. A prepayment reduces the outstanding principal, so less interest is charged in every following month and the loan finishes earlier. Some banks charge a prepayment fee, so check with yours first.

Will my EMI change if interest rates change?

Most home loans in Nepal have a floating rate linked to the bank's base rate. When the base rate changes, the bank can change your EMI or the remaining tenure.

Is this the same EMI my bank will charge?

The calculation follows the method banks use, but rounding, fees and rate changes can make the bank's final figure slightly different. Confirm with your bank before you decide.

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