Practical guides on managing money in Nepal, written by the people building Aafno Hisab.
A gold loan is cheaper, but by less than most people think. The real difference is not the rate. It is who can get approved, how fast, and what happens to your jewellery if a year goes badly.
Published 30 Sept 2026 (14 Aswin 2083)
Banks work backwards from one number: how much of your income can go to instalments. Here is the calculation they use, worked on a Rs. 50,000 salary, and what makes the answer bigger or smaller.
Updated 29 Sept 2026 (13 Aswin 2083)
Published 29 Sept 2026 (13 Aswin 2083)
The showroom quotes an EMI. It does not mention that you need 40% in cash, that the seven-year option costs Rs 2.5 lakh more, or that the vehicle is worth less than the loan for the first two years.
Published 19 Sept 2026 (03 Aswin 2083)
A missed EMI is not one event. It is a ladder, and each rung is harder to climb back from. Here is exactly what happens at 30, 90 and 180 days, and the five things to do before any of it starts.
