Down Payment Calculator
Drag the slider to see how your down payment size changes your financed amount and monthly EMI.
Adjust your down payment
Drag the slider to see how your down payment changes your EMI.
Why down payment size matters more than it seems
A larger down payment doesn't just reduce your EMI proportionally — because interest is calculated on your outstanding balance, a bigger upfront payment reduces the total interest you pay over the life of the loan too. Use the slider to see the trade-off between a larger upfront payment and a lower monthly commitment.
Frequently asked questions
What's a reasonable down payment percentage in Nepal?+
This depends on your lender's requirements and your own cash flow comfort. Many buyers target 20-30%, but confirm minimum down payment requirements with your specific bank or finance company.
Does a higher down payment help loan approval?+
A larger down payment reduces the lender's risk and can improve approval odds or terms, though final approval depends on the lender's own credit assessment.