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Property Calculator
Illustrative deal math, reviewed October 2026 — state rates and slabs change, so confirm figures with official schedules or an advisor before registering or signing.
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The page works backward from the EMI your income supports at a fixed 50% FOIR to the loan — and hence the property price — serviceable at your rate and tenure. ₹1,00,000 monthly income at 8.5% over 20 years supports a ₹50,000 EMI, roughly a ₹57.6 lakh loan. That is the borrowable amount, the starting point of the budget rather than its end.
Enter monthly income, a realistic rate, and tenure (1–30 years). Then build the true budget on top of the loan: down payment (usually 10–20%), stamp duty, registration, brokerage, interiors, and a 6-month EMI buffer. If the EMI feels tight at 50% FOIR, re-run at 40% — lenders stretch to 55% for large incomes, but your sleep matters more than their ceiling.
It does not add down payment or closing costs, check credit score or employment type, or pre-approve anything — an indicative ceiling at one fixed FOIR, with the lender's assessment deciding the sanction.
Illustrative math only — not financial advice or a bank quote.
Tax and statutory rules change; verify with a professional.
No. Add your down payment to the loan amount to reach the total property price you can target.
No — it is an indicative ceiling. The lender's assessment decides the actual amount.
Down payment, stamp duty, registration, brokerage, interiors, and shifting — commonly 15–25% over the loan for a first home. Budget those before shortlisting.
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