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The Pros and Cons of Owning Property as a Nepalese Expat Worker

09 Aug 2023

As a Nepalese expat worker, there are numerous considerations when it comes to managing your finances, sending money to Nepal and securing your future. One of the significant decisions you may face is whether to invest in property back home in Nepal. In this article, we will explore the pros and cons of owning property as a Nepalese expat worker, helping you make an informed decision about this crucial aspect of your financial planning.

Why Is Property Important for Nepalese Expats?

Property ownership is a valuable asset for Nepalese expats, providing stability, long-term investment opportunities, rental income potential, diversification of investments, emotional connection to their homeland, and potential tax benefits. Owning property offers a sense of security, a place to call home, and a way to build wealth while maintaining cultural ties, making it a compelling choice for Nepalese expats seeking financial stability and a strong connection to their roots.

Pros of Owning Property as a Nepalese Expat Worker

Long-Term Investment: 

Investing in property offers the potential for long-term financial stability. Property values tend to appreciate over time, allowing you to build equity and accumulate wealth. This investment can serve as a valuable asset for your future financial security.


By owning property, you diversify your investment portfolio beyond traditional options like stocks and bonds. This diversification helps spread your risk and can provide stability in uncertain economic times. Property investments are generally less volatile compared to other investment options.

Rental Income: 

If you choose not to reside in the property you own, renting it out can generate a steady stream of income. This rental income can supplement your earnings and help you cover mortgage payments, property taxes, and maintenance costs or even help you send money to Nepal for family needs. It can also provide a reliable source of income during your retirement years.

Emotional Connection: 

Owning a property in your home country can provide a sense of belonging and emotional attachment. It allows you to maintain a connection with your roots and have a place to call home whenever you visit Nepal. It can also be a valuable asset to pass on to your family.

Potential Tax Benefits: 

Depending on the tax laws of your home country, owning property may come with certain tax advantages. For example, you may be eligible for deductions on mortgage interest payments, property taxes, and depreciation. Consulting with a tax professional will help you understand the specific benefits available to you. Make sure you choose wisely for you to make a money transfer to Nepal when you need to pay your taxes.

Cons of Owning Property as a Nepalese Expat Worker:

Initial Capital Requirement: 

Acquiring property requires a significant upfront investment. As an expat worker, you need to carefully assess your financial situation and determine if you have the necessary funds available for the down payment, closing costs, and potential renovation expenses.

Property Management Challenges:

Managing a property from a distance can present logistical challenges. Finding trustworthy tenants, addressing maintenance and repair issues, and ensuring the property remains in good condition can be demanding when you are not physically present. Hiring a reliable property management company can help overcome these challenges, but it comes with additional costs.

Currency Fluctuations:

As an expat worker, you may face currency exchange rate fluctuations when sending money online to Nepal for property-related expenses. This can impact the overall cost of property ownership, making it essential to monitor exchange rates and choose a reliable remittance service, such as ACE Money Transfer, to minimise transfer fees and maximise your funds.

Legal and Regulatory Considerations

Property ownership involves adhering to various legal and regulatory requirements. As an expat worker, you may need to navigate different laws, regulations, and tax obligations, both in your home country and in Nepal. Seeking professional advice from real estate experts and legal advisors can help you understand and comply with these obligations.

Market Volatility

Property markets can experience fluctuations in demand and prices. Economic factors, political instability, and changes in government policies can affect property values and rental income. Conduct thorough research on the local market trends and consult with real estate professionals to make informed investment decisions.


Owning property as a Nepalese expat worker has its advantages and challenges. It offers long-term investment potential, diversification, rental income, emotional attachment, and potential tax benefits. However, it also requires a significant initial investment, effective property management, consideration of currency fluctuations, awareness of legal obligations, and careful market analysis. 

ACE Money Transfer can help simplify the financial aspect by providing convenient solutions for an online money transfer to Nepal, allowing you to manage your property-related expenses efficiently.

Remember, investing in property requires careful consideration, thorough research, and professional advice to make informed decisions that align with your financial goals and aspirations. ACE Money Transfer is here to support your financial needs by providing reliable online money transfer services to Nepal.


How can I send money to Nepal from abroad? 
You can send money to Nepal from abroad through online money transfer services like ACE Money Transfer. They provide a secure and convenient platform to transfer funds quickly to your beneficiaries in Nepal.

Can I use remittance services to cover my property-related expenses in Nepal? 
Yes, remittance services like ACE Money Transfer can be used to cover property-related expenses in Nepal, including mortgage payments, property taxes, and maintenance costs.

What should I consider when choosing a remittance service for sending money to Nepal? 
When selecting a remittance service, consider factors such as exchange rates, transfer fees, transfer speed, security measures, customer service, and the convenience of online platforms or mobile apps.

How can I minimise the impact of currency fluctuations when transferring money to Nepal for property expenses? 
To minimise the impact of currency fluctuations, consider monitoring exchange rates and choosing a remittance service that offers competitive rates and low transfer fees, like ACE Money Transfer.

Should I consult with real estate experts before investing in property as a Nepalese expat worker? 
Yes, consulting with real estate experts, legal advisors, and financial professionals is crucial before investing in property. They can provide valuable insights and guidance and help you navigate legal and regulatory considerations effectively.

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