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حاسبة EMI القرض العقاري

احسب EMI القرض العقاري وإجمالي الفائدة وتقسيم الأصل-الفائدة. مُعدّ مسبقاً بقيم افتراضية نموذجية.

Sanctioned loan amount (after down payment)

Monthly EMI
₹44,186
Total Interest
₹56,04,529
Total Payable
₹1,06,04,529
Principal — 47.1%Interest — 52.9%

What is a home loan EMI calculator?

A home loan EMI calculator computes your monthly mortgage payment, total interest over the loan tenure, and the year-by-year principal vs interest split. Default values reflect typical Indian home loan terms (20-year tenure, 8.75% rate); customize based on your actual offer.

The 35/40 rule for home affordability

Banks typically cap home loan EMI at 35–40% of your monthly take-home. For ₹1.5 lakh/month income, EMI cap is ~₹52,500–60,000, which at 8.75% for 20 years funds a loan of ~₹65–75 lakh. Add 20% down payment and you can comfortably target a ₹80–90 lakh property. Going beyond stretches budgets and risks delinquency on income shock.

Floating vs fixed rate

Most home loans in India are floating (linked to repo rate). Fixed-rate options exist but are 1–2% costlier. With RBI in a rate-easing cycle, floating saves money; in a tightening cycle (e.g., 2022–23), borrowers wished they were on fixed. For 20+ year horizons, floating wins on average — over a full RBI cycle, the math averages out.

الأسئلة الشائعة

How is home loan EMI calculated?
EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ - 1), where P is the principal, r is the monthly rate (annual ÷ 12 ÷ 100), and n is the total number of months. EMI stays fixed; in early years most goes to interest, in later years most goes to principal.
What is the typical home loan rate in India?
Public sector banks (SBI, BoB, PNB): 8.50–9.25%. Private banks (HDFC, ICICI, Axis): 8.75–9.5%. NBFCs: 9.5–11%. Floating rates are linked to RBI's repo rate. Your final rate depends on credit score (>750 for best rates), loan amount, and tenure.
What home loan tenure should I choose?
Banks offer 5–30 year tenures. 20 years is most common for the EMI-to-take-home math. Longer tenure = lower EMI but dramatically more interest (a 30-year loan pays ~3x the principal in interest at 9%). If your EMI fits comfortably, pick the shorter tenure.
Can I get tax benefits on a home loan?
Yes. Section 24b: deduction on interest paid up to ₹2 lakh/year (self-occupied). Section 80C: deduction on principal repaid up to ₹1.5 lakh/year (within the ₹1.5 lakh 80C cap). Section 80EE / 80EEA: extra deductions for first-time buyers under specific conditions.
Should I prepay a home loan early?
Mostly yes, but math depends on your post-tax interest rate vs alternative investment returns. Effective post-tax interest for most: ~6.5–7%. If your equity portfolio is delivering 12%+ post-tax, parking surplus there beats prepayment. If returns are uncertain, prepayment is the guaranteed savings.

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