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LOGINTOLOANS | Home Loan EMI Calculator – Calculate Your Home Loan EMI
Home Loan EMI Calculator

Calculate Your Home Loan EMI

Plan your dream home with accurate EMI, interest, and tax benefit calculations

₹
%
₹
₹
MONTHLY EMI
₹0
TOTAL INTEREST
₹0
TOTAL PAYMENT
₹0
EMI per Lakh
₹0

Principal vs Interest Breakdown

0% - Principal Amount
0% - Total Interest

Loan Summary

Principal Amount
₹50,00,000
Interest Rate
8.5%
Loan Tenure
20 Years
Annual EMI Outflow
₹0
LTV Ratio
76.9%
Down Payment
₹15,00,000

Tax Benefits (Under Section 80C & 24B)

Principal Repayment (Section 80C)
₹0
Interest Payment (Section 24B)
₹0
Total Tax Benefit (Yearly)
₹0
Tax Savings @30% Slab
₹0

Best Home Loan Offers

Home Loan EMI Calculation Formula

EMI Formula: EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ - 1)

Where:
P = Principal Loan Amount
r = Monthly Interest Rate (Annual Rate ÷ 12 ÷ 100)
n = Loan Tenure in Months

Total Interest = (EMI × n) - P

Total Payment = Principal + Total Interest

Home Loan Key Features:

• Loan Amount: Up to 90% of property value (LTV ratio)
• Interest Rates: 8.0% to 10.5% p.a. (based on credit score and lender)
• Tenure: Up to 30 Years (360 months)
• Tax Benefits: Up to ₹1.5L under 80C + Up to ₹2L under 24B
• Processing Fee: 0.5% to 1% of loan amount
Home Loan Tip: A higher down payment reduces your loan amount and EMI. A CIBIL score above 750 helps secure lower interest rates. Consider taking a home loan insurance for financial protection.
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