Run the numbers on a home loan against rent — and the break-even that actually matters.
The classic question: should you keep renting, or take a home loan and buy? In Nepal, the answer hinges on how long you'll stay, the loan rate, and expected appreciation.
The break-even logic
Buying carries upfront costs — down payment, registration, taxes — that take years to recover. If you'll move within a few years, renting usually wins. Stay long enough and appreciation plus principal repayment tip the balance toward owning.
Use the tools
Model your monthly EMI with our calculator, then run the ROI calculator to compare total return against rent over your real holding period. Verified, loan-ready property also gets cleaner bank valuations and faster approvals.
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