Decision tools
Should you buy or rent?
Compare the true cost of buying a home against renting over the years you plan to stay — in Nepali rupees.
Your scenario
रू
रू
%
Nepal avg ~10–12%
yrs
रू
For an equivalent home
%
Nepal avg ~6–10%
yrs
Buying wins
Buying saves you रू 58.65 Lakh
over the 7 years you plan to stay.
रू -11,92,197.88
Net cost of buying
रू 46.73 Lakh
Total cost of renting
Cost of buying over 7 years
- Down payment
- रू 40.00 Lakh
- EMIs paid
- + रू 95.37 Lakh
- Ownership costs (tax, upkeep ~1.5%/yr)
- + रू 15.75 Lakh
- Projected resale value
- रू 2.57 Cr
- Equity recovered on sale
- − रू 1.63 Cr
- Net cost of buying
- रू -11,92,197.88
Monthly EMIरू 1.14 Lakh
Indicative only — not financial advice. Assumes ~7%/yr rent escalation and that resale equity is recovered when you move.