Pire Ji,

Both yours and mine are speculation I presented rosey side you presented another side, only future will tell which one of these two situation will prevail

1. If the inflation stays flat next year that means arround 0 % inflation bank rates will go down. Bank rates and inflation go hand by hand.
bank rates are usually  slightly higher than the inflation in a honest economy. So if inflation stays flat you cant make that much money by depositing in the bank.

2.On this point I tend to agree with you,I didnt know you can buy a mansion  for half a million. I  am not in US, but I bought a house 2500 sq ft for half a million US dollar in my place, which is considered as a middle class house. looks like I should imigrate to US

3. I dont see any rosy picture for stock markets too in coming two years so  investing in real estate or stock market in Nepal wont make any difference BUT you know how shrud are Nepali businessmen, so security wise real estate might be a safer place for peace of mind. KTM is sorrounded by hills there is  no room for expansion of KTM, So when situation becomes good, stock market will go up, real estat prices will go up BUT in nepali context real estates have always beaten stock market

3. There is always a difference between commercial real estate and residential real estate. Yeah that house may be rented for 25 lakhs BUt who will pay 25 lakh in recession? that is possible only economy is growing in a healthy percentage. But small commercial places will always be rentedso continious flow of money. and Location is most important thing, if you want to go outside KTM it is fine, but inside KTM it is very very difficult to find a safer neighbourhood people just dont want to buy house anywhere but where there is good transport, security, etc so yeah people may have more money then when demand is high they need to pay more price for same thing. You may have 5 karod in 2 yrs time but then houses in good place will go up too, when situation is good, and paying rent for a good house for two years also cost some money.

4. Two yrs back I sold 4 ana of land in the same place in 40 lakhs/ana and now in that area only my natedars place is for sale.

stiffer

I agree real estes in ktm is artificially elevated i think of two reasons a) because of new Nepalis ( those who became rich overnight) and b) physical limitation of KTM I think there is no more land left in KTM

Syanjali ji

aba photo ta mero realives le deko chhaina teskaran kasari halnu, master ko income chhaina bhanne chhai ma pattaudina, Tuion padauna pacrha, paisa falafal, alchi namani kana tution padauna suru garnus

Lahari ji,


tapaiko idea ta thikai lagyo except 2 ta srimati bya garni, maile aja samma  euta garna sakya chaina, duita srimati le feri milera paisa ko love ma tapai lai dhusno banaulan ni hos garnus hai

Nepbay

I will inform it to my relatives

Disclaimer: I am not an economist