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Home Loans & LAP — Smart, Transparent Calculators

Plan your home loan with precision. Compare EMI, tenure, affordability and rates with clean charts and a compact schedule.

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Indicative only. Actual sanction depends on lender policies and documentation.

Home Loan Calculators

Switch tabs to compute EMI, find eligible loan amount for a target EMI, estimate tenure, or back‑solve the interest rate.

₹L
%
Enter in months (e.g., 240 = 20 years)
mo
EMI
Monthly EMI₹0
Total Interest₹0
Total Payment₹0

Disclaimer: Educational tool only — not a loan offer. Verify lender rates, fees, resets and prepayment rules.

Eligibility & Affordability — Quick Guide

FOIR (Obligation Ratio)

Indicative EMI capacity is typically 40–55% of net monthly income after existing EMIs. Lower obligations and a stable income raise eligibility.

LTV Bands

Lenders cap the Loan‑to‑Value (LTV) based on property value and ticket size. Expect ~75–90% LTV; balance via margin/down‑payment.

Credit Profile

Score of 750+ is ideal. Maintain low unsecured debt, timely payments, and consistent bureau history for better rates and faster sanction.

Income Stability

Salaried: payslips + form‑16. Self‑employed: ITRs + financials + GST where applicable. Consistency improves eligibility outcomes.

Prepay Smart

  • Early prepayments save the most interest (interest share is highest in initial years).
  • Prefer tenure reduction over EMI reduction to maximize interest saved.
  • Use bonuses/tax refunds for periodic lump‑sum prepayments.
  • Keep 3–6 months of expenses as emergency buffer before prepaying.

Rate Hygiene

  • Benchmark vs current market spreads; consider balance transfer if net savings justify processing costs.
  • Understand reset frequency and external benchmark linkage (e.g., Repo‑linked).
  • Watch for ancillary charges: switching, admin, MOD, valuation/legal.

Want a personalized affordability and prepayment map?

Share income, obligations and property details — get a tailored EMI window, tenure target and rate strategy.

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Why Choose Investify for Home Loans

Rate Strategy

Fixed vs floating benchmarking, reset‑cycle mapping and part‑prepayment windows to cut lifetime interest.

Bank/NBFC Reach

Access to multiple lenders for salaried & self‑employed — improve approval probability with right documentation.

Tenure Optimisation

Balance EMI comfort with total cost. Use top‑ups and part‑prepay rules to reduce effective tenure.

Seamless Process

Application, valuation, legal, sanction and disbursal support with transparent communication throughout.

Essential Documents

  • KYC (PAN, Aadhaar), Photos
  • Income proofs (ITR/salary slips), bank statements
  • Property title chain, sanctioned plan/map
  • Existing loan statements (if any)

Typical Fees & Charges

  • Processing fee + taxes
  • Valuation/legal charges
  • Pre/part‑payment rules (if any)
  • Rate reset spread/margin terms

FAQs

How do rate resets impact EMI vs tenure? +
Lenders typically keep EMI constant and extend or reduce tenure on rate changes. You can request EMI change instead; our tool helps evaluate both.
Is part‑prepayment better early or later? +
Earlier payments save more interest as they reduce balance when interest share is highest. Even small, regular prepayments shorten tenure materially.
What documents are usually required? +
KYC, income proofs (ITR/salary slips), bank statements, property documents (title, chain, map/sanction plan) and existing obligations list. Lender‑specific checklists apply.