होम लोन कैलकुलेटर
होम लोन EMI कैलकुलेट करें। मुफ़्त ऑनलाइन होम लोन कैलकुलेटर — लोन राशि, ब्याज दर और अवधि दर्ज करें।
उपयोग कैसे करें
- Enter your home loan amount (the amount you wish to borrow from the bank).
- Set the annual interest rate offered by your bank.
- Adjust the loan tenure in years (typically 10–30 years) — EMI and total interest update instantly.
फॉर्मूला
EMI = P × r × (1 + r)ⁿ / ((1 + r)ⁿ − 1)
Where: P = Home Loan Amount
r = Monthly interest rate (Annual Rate ÷ 12 ÷ 100)
n = Tenure in months (Years × 12)
उदाहरण गणना
Example: ₹50,00,000 home loan at 8.5% p.a. for 20 years
| Parameter | Value |
|---|---|
| Loan Amount | ₹50,00,000 |
| Interest Rate | 8.5% per annum |
| Tenure | 20 years (240 months) |
| Monthly EMI | ₹43,391 |
| Total Interest | ₹54,13,840 |
| Total Repayment | ₹1,04,13,840 |
अक्सर पूछे जाने वाले प्रश्न
Most Indian banks offer home loans for up to 30 years. The maximum tenure depends on your age at the time of application — the loan must be repaid before you turn 70–75 years.
RBI mandates a minimum 10–20% down payment (LTV ratio). For loans above ₹75 lakh, you need to pay at least 25% as down payment. Banks finance up to 75–90% of the property value.
Yes. Under Section 24(b), interest paid on home loan is deductible up to ₹2 lakh per year for self-occupied property. Under Section 80C, principal repayment is deductible up to ₹1.5 lakh.
Floating rates are typically 1–2% lower than fixed rates and adjust with market rates. Fixed rates provide EMI certainty. Most borrowers in India choose floating rates for long-term home loans.
Banks typically charge 0.5–1% of the loan amount as a processing fee, subject to a minimum and maximum cap. Some banks run offers with nil processing fees.
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