Home Loan Calculator
Calculate your home loan EMI and affordability
50,0001,00,00,00,000
0loanAmount * 5
Down Payment: 20.0% of home value
0.6180
0.5300
Loan Details
Monthly EMI:₹0
Loan Amount:₹4,000,000
Total Interest:₹0
Total Payment:₹0
Loan-to-Value:0%
Payment Breakdown
Principal Amount₹4,000,000
Interest Amount₹0
Down Payment₹1,000,000
Affordability Analysis
Required Monthly Income (40% EMI):₹0
Required Annual Income:₹0
Interest to Principal Ratio:0.0%
Effective Interest Rate:8.5% p.a.
Home Loan Tips
- • Keep EMI under 40% of monthly income
- • Higher down payment reduces EMI burden
- • Compare interest rates from multiple lenders
- • Consider floating vs fixed rate options
- • Factor in property registration and other costs
Loan Outstanding Over Time
| Year | Principal Paid | Interest Paid | Outstanding |
|---|---|---|---|
| 1 | ₹79,609 | ₹-79,609 | ₹3,920,391 |
| 2 | ₹166,255 | ₹-166,255 | ₹3,833,745 |
| 3 | ₹260,560 | ₹-260,560 | ₹3,739,440 |
| 4 | ₹363,200 | ₹-363,200 | ₹3,636,800 |
| 5 | ₹474,913 | ₹-474,913 | ₹3,525,087 |
| 6 | ₹596,500 | ₹-596,500 | ₹3,403,500 |
| 7 | ₹728,834 | ₹-728,834 | ₹3,271,166 |
| 8 | ₹872,866 | ₹-872,866 | ₹3,127,134 |
| 9 | ₹1,029,628 | ₹-1,029,628 | ₹2,970,372 |
| 10 | ₹1,200,247 | ₹-1,200,247 | ₹2,799,753 |
Key Loan Metrics
EMI-to-Income
NaN%
Recommended: ≤40%
Loan-to-Value
0%
Down payment impact
Interest Burden
0%
Of principal amount
Total Cost
₹0.0L
Including down payment