How much home loan can I get on my salary in Nepal?
A bank allows a share of your monthly income to go to instalments, subtracts what you already pay, and lends the amount that remaining instalment can service over the term. Add the cash you can put down and you have the property budget. Enter income, existing instalments, the share, a rate and a period above to see all three numbers.
What share of income do Nepali banks allow?
Commonly somewhere between 40% and 60% of monthly income across all instalments — but it differs by bank, by income type and by borrower profile. Salaried applicants are assessed differently from business income, and an existing relationship moves the number. That is why this is an input, not an assumption: ask your bank for their figure and put it in.
Does a down payment increase how much I can borrow?
No — it increases what you can buy. The loan is sized by what your income services; the cash in hand adds on top of it. Which is why the answer above is the plot price you can reach, not the loan you can get.
How does an agent use this?
The useful output is not the maximum, it is the shortlist. Once the reachable price is on screen, the conversation moves from "what do you like" to "which of these three can you actually transact on" — which saves everybody the site visits that were never going to end in a deal.
What it does not model
Loan-to-value limits, valuation shortfalls, insurance, processing fees, and the gap between a sanctioned and a disbursed amount. Treat the figure as the ceiling of the conversation, not a pre-approval.
Common questions
- How much loan can I get on a 1 lakh monthly salary in Nepal?
- If a bank allows 50% of income to instalments, that is Rs 50,000 a month — which at 11.5% over 15 years supports a loan of roughly 43 lakh, before the cash you put down. Enter your own figures above; the share and rate differ by bank.
- What percentage of income can go to a home loan instalment?
- Usually between 40% and 60% across all instalments, depending on the bank, the income type and the borrower. This calculator asks for the figure rather than assuming one.
- Do existing loans reduce how much I can borrow?
- Yes. Instalments you already pay come out of the allowed share first, and only what is left supports a new loan. Enter them above.
- Is this a loan pre-approval?
- No. It is the arithmetic banks use to size a loan, without the loan-to-value limits, valuation, fees and underwriting that decide the real answer. Use it to size a conversation.