Home Loan EMI Calculator
Before you fall in love with a home, find out what it costs each month. Enter the price, adjust your down payment and tenure, and see your EMI instantly.
* Indicative only. Your actual EMI depends on the rate your bank offers, your credit profile, and processing fees. Stamp duty and registration are not included — budget roughly 6-7% of the property value on top.
What Else to Plan For
Indicative figures. Stamp duty varies by buyer category and location; ready-to-move resale homes attract no GST. Confirm current rates before you commit.
Home Loan Questions, Answered
How much down payment do I need for a home in Pune?▼
Banks typically fund up to 80% of the property value, so plan for at least 20% as down payment. On a ₹75 lakh flat that is ₹15 lakh — plus roughly 6-7% more for stamp duty and registration, which loans do not cover.
What home loan interest rate should I expect?▼
Rates move with the RBI repo rate and vary by lender and credit score. Salaried buyers with a good CIBIL score generally get the best available rate; a lower score can add 0.25-0.75%. Always compare at least three banks — the difference over 20 years is substantial.
Is a longer tenure better?▼
A longer tenure lowers the monthly EMI but increases the total interest considerably. A shorter tenure costs more each month but far less overall. Choose the shortest tenure whose EMI still leaves you comfortable.
What is not included in the EMI?▼
Stamp duty, registration, GST on under-construction property, maintenance deposit, parking and society charges are all paid separately. Budget these in before finalising your purchase.
Can I get a loan for an under-construction home?▼
Yes. Disbursement happens in stages linked to construction progress, and until possession you usually pay only the interest portion (pre-EMI) on the amount disbursed so far.
Know your budget? Let’s find the home.
Tell us your EMI comfort and preferred area — we’ll send matching homes with photos and floor plans on WhatsApp.