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