I  agree with Elixir's note that most property  transactions in Nepal is dealt through cash. The ones that borrow heavily from the banks are the apartment builders. On average only 12 percent of the total lending is done in real estate. Borrowing from banks usually involves collateral and individuals can only get upto 60% of their collateral's value in the form of loans.

Also, last year Nepal received 209 billion rupees in remittances through official channels.

http://www.thehimalayantimes.com/fullNews.php?headline=Global+recession+Impact+on+Nepalese+export&NewsID=48523

A lot of money also enters the country through unofficial methods and the total sum of remittances may well have been over 300 billion. This year again, we're seeing a robust rise in remittances as more and more Nepalis go abroad in search of greener pastures, especially to lucrative destinations like North America and Western Europe.

I think real estate in Nepal will continue to see long term growth. This will happen because people are migrating to developed countries more than ever. Only this year about 11,000 Nepalis came to the US for further education. A similar number went to the UK, Australia and Western Europe. Almost half of the remittances entering Nepal is invested in real estate, and all  of it is cash

http://www.ngcci.org/index.php?nav=resources&page=ecoglimpse&id=913

With the decline in the share market, this sector will continue to see more investment and values will rise as there is more urbanization fueled by insecurity and remittance growth.

Don't listen to these anaadis who have no idea what economics means. Invest in real estate.