Loading
Start from the property price rather than the loan amount. See how much you must bring as down payment, what loan-to-value ratio that leaves, and what the EMI works out to.
Move a slider or type a number. Everything updates instantly, and the link above carries your values so you can share or save them.
Fifty lakh
₹10,00,000 from your own funds.
Your monthly EMI
₹34,713
every month for 20 yr
80%
Comfortably inside the ~80% that lenders allow at this price.
Stamp duty and registration in Uttar Pradesh come to roughly 8% of the property value, about ₹4,00,000. This cannot be funded by the loan and must come from your own pocket, on top of the down payment.
Early years are mostly interest. That is why prepaying early saves the most.
Loan = property value - down payment. Then the standard EMI formula.
Nothing is hidden. The same formula runs in a shared, unit-tested library used by every calculator on this site.
With property value, down payment and LTV
These numbers are indicative. Your actual offer depends on the lender.
This calculator assumes the rate stays the same for the whole tenure. Most loans in India are floating rate, so your EMI can move when the RBI changes rates. Tell us your real situation and we will give you a figure you can plan around.
Questions
What people ask us most about this calculation.
We will tell you which lenders are likely to say yes to your file, and at roughly what rate, before you apply anywhere.
Lines are open Monday to Saturday. If we miss you, we call back the same day.