Home Loan Calculator

Plan your home purchase by estimating your monthly EMI payments

Calculate Your Monthly EMI

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Payment Breakdown

Monthly EMI

₹0

Principal & Interest

₹0

Taxes & Insurance

₹0

Loan Details

Loan Amount:₹0
Down Payment:₹10,00,000 (20%)
Loan Term:20 years
Interest Rate:8.5%

Cost Summary

Property Value:₹50,00,000
Total Interest:₹0
Total Tax & Insurance:₹7,40,000
Total Cost:₹0

Loan Amortization

Principal
Interest
Tax & Ins.
Year 1Year 10Year 20

How It Works

Our home loan calculator helps you estimate your monthly EMI (Equated Monthly Installment), including principal, interest, taxes, and insurance.

Key Terms:

  • Principal: The original loan amount
  • Interest: What the bank charges to borrow money
  • EMI: Equated Monthly Installment - fixed payment amount made by a borrower to a lender at a specified date each month
  • Property Taxes: Taxes assessed by local government
  • Insurance: Homeowners insurance premium

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EMI Formula

The monthly EMI is calculated using the following formula:

EMI = P × r × (1+r)ⁿ ÷ [(1+r)ⁿ-1]
  • P: Principal loan amount
  • r: Monthly interest rate (annual rate ÷ 12 ÷ 100)
  • n: Total number of monthly installments (loan term in years × 12)