Home loan EMI calculator for Nepal

Home loan EMI calculator

Property price (Rs)

Rs 1 Cr

Down payment: 40% (Rs 40 Lakh)

Interest rate (yearly %): 9.5%

Loan term (years): 20

Monthly EMI

Rs 55,928

Year-by-year

Year	Principal	Interest	Balance left
1	Rs 1.06 Lakh	Rs 5.65 Lakh	Rs 58.94 Lakh
2	Rs 1.16 Lakh	Rs 5.55 Lakh	Rs 57.78 Lakh
3	Rs 1.28 Lakh	Rs 5.43 Lakh	Rs 56.51 Lakh
4	Rs 1.4 Lakh	Rs 5.31 Lakh	Rs 55.1 Lakh
5	Rs 1.54 Lakh	Rs 5.17 Lakh	Rs 53.56 Lakh
6	Rs 1.7 Lakh	Rs 5.02 Lakh	Rs 51.86 Lakh
7	Rs 1.86 Lakh	Rs 4.85 Lakh	Rs 50 Lakh
8	Rs 2.05 Lakh	Rs 4.66 Lakh	Rs 47.95 Lakh
9	Rs 2.25 Lakh	Rs 4.46 Lakh	Rs 45.7 Lakh
10	Rs 2.48 Lakh	Rs 4.24 Lakh	Rs 43.22 Lakh
11	Rs 2.72 Lakh	Rs 3.99 Lakh	Rs 40.5 Lakh
12	Rs 2.99 Lakh	Rs 3.72 Lakh	Rs 37.51 Lakh
13	Rs 3.29 Lakh	Rs 3.42 Lakh	Rs 34.22 Lakh
14	Rs 3.62 Lakh	Rs 3.1 Lakh	Rs 30.6 Lakh
15	Rs 3.97 Lakh	Rs 2.74 Lakh	Rs 26.63 Lakh
16	Rs 4.37 Lakh	Rs 2.34 Lakh	Rs 22.26 Lakh
17	Rs 4.8 Lakh	Rs 1.91 Lakh	Rs 17.46 Lakh
18	Rs 5.28 Lakh	Rs 1.43 Lakh	Rs 12.18 Lakh
19	Rs 5.8 Lakh	Rs 90,885	Rs 6.38 Lakh
20	Rs 6.38 Lakh	Rs 33,297	Rs 0

Indicative only. Banks in Nepal usually lend 50–70% of the property value; rates change with the base rate.