Housing decision · First-time buyers & NRN clients
Compare renting versus buying a home in Nepal over your holding period—EMI, down payment opportunity cost, property appreciation, rent inflation and sale costs—for a clear break-even view.
Same monthly housing budget compared
We compare buying (down payment + EMI, then equity after a future sale) with renting while investing the down payment and any monthly surplus. Stability, citizenship rules and family needs often matter more than the spreadsheet—use this for the money math only.
Your estimate
Rent vs buy wealth comparison under your rate, rent and appreciation assumptions.
20 yrs @ 9.5%
Down payment + EMIs paid
After 3% sell costs
Down payment + monthly surplus @ 7%
Higher net wealth path under your assumptions
Simplified model. Ignores maintenance, property tax nuances, vacancy, loan fees and investment risk. Not financial advice.
Practical guide
Read the related guide for assumptions, ordering tips and ways to compare the estimate with actual site records.
Same-category tools first so each intent stays clustered—then open the full hub if you need a different job.
Frequently asked questions
Yes. The Rent vs Buy works in your browser without an account. You can install GharNaksa when you want to track the real project costs, payments and progress.
No. It is a planning estimate based on the information you enter. Verify rates, quantities, drawings, local requirements and contract terms with the appropriate qualified professional before making a commitment.
Use GharNaksa to record actual material deliveries, labor, payments, bills and site photos. Comparing the estimate with a dated site record helps reveal cost differences early.