Calculate the maximum Home Loan, Auto Loan, or Personal Loan amount commercial banks will approve based on your monthly income.
Check the maximum Home or Auto loan amount commercial banks in Nepal will approve based on your salary.
Max bank loan approved based on NRB 50% Debt-Service-to-Income cap.
Under Nepal Rastra Bank (NRB) unified regulations, your total monthly debt payments (EMIs) cannot exceed 50% of your verified monthly salary (DSTI ratio). For example, on an NPR 80,000 monthly income with NPR 10,000 existing EMI, your maximum eligible new EMI is NPR 30,000/month, allowing approximately NPR 32 to 34 Lakhs in 20-year home financing at 9.5% interest.