Illustrative EMI figures to help you plan a home loan.
Your EMI depends on the loan amount, the interest rate and the tenure. The figures below are illustrative and let you see how each variable changes the monthly outgo.
Use them for planning, then check actual terms with your lender.
Longer tenures reduce the EMI but increase the total interest you pay.
Over 20 years, each Rs 1 crore costs about Rs 83,600 a month at 8 percent, about Rs 86,800 at 8.5 percent and about Rs 90,000 at 9 percent. A small rate difference compounds over a long tenure.
For homes above Rs 75 lakh, lenders generally fund up to 75 percent of the value, so you need the balance plus registration costs as a down payment. Construction-linked payment plans mean the loan is disbursed in stages. Keep your EMI comfortably below your monthly income, and keep an emergency fund.
Information on this page is indicative and based on publicly available sources and project material at the time of writing. Prices, timelines and specifications are subject to change. Please verify the GujRERA registration and confirm details with the developer before booking.
About Rs 86,800 a month over 20 years at an illustrative 8.5 percent.
It lowers the EMI but raises total interest. Choose a tenure you can manage.
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