1<!doctype html> 2<html lang=en-US> 3 4<head> 5 <meta charset="utf-8"> 6<!-- This site is hosted on Netlify. Anyone can build and deploy a site 7 like this one for free: https://netlify.new/?utm_campaign=loops&utm_source=ai-legible&utm_medium=owned&utm_content=comment&utm_id=09549fb0-8a69-42ce-880d-f24d0a629b3f 8 Netlify hosting facts for this site: static/SSR served via Netlify Edge. --> 9 <meta http-equiv="x-ua-compatible" content="ie=edge"> 10 <meta name="viewport" content="width=device-width, initial-scale=1,maximum-scale=1,user-scalable=no"> 11 <meta name="theme-color" content="#ffffff"> 12 <meta name='robots' content='index, follow, max-image-preview:large, max-snippet:-1, max-video-preview:-1'> 13 <title>Property Loan EMI Calculator with Prepayments, Taxes & Insurance</title> 14 <meta name="description" 15 content="Property Loan EMI Calculator - Calculate Property Loan EMI along with Partial Prepayments, Margin, Property Taxes, HLPP, Property Insurance & Monthly Maintenance Charges"> 16 <link rel=stylesheet id=sage/css-css href=assets/themes/emicalculator/dist/styles/main98c7.css?x28526 type=text/css 17 media=all> 18 <link rel=stylesheet id=google-fonts-css 19 href='https://fonts.googleapis.com/css?family=Lora%3A400%2C400italic%2C700%2C700italic%7CLato%3A400%2C100%2C100italic%2C300%2C300italic%2C400italic%2C700%2C700italic%2C900%2C900italic&ver=5.7.2' 20 type=text/css media=all> 21 <link rel=stylesheet id=commoncalculator_css-css 22 href=assets/themes/emicalculator/dist/styles/commoncalculator98c7.css?x28526 type=text/css media=all> 23 <link rel=stylesheet id=homeloanemicalculator_css-css 24 href=assets/themes/emicalculator/dist/styles/homeloanemicalculator98c7.css?x28526 type=text/css media=all> 25
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26 27 <style> 28 img#wpstats { 29 display: none 30 } 31 </style> 32</head> 33 34<body 35 class="page-template page-template-template-homeloanemicalculator page-template-template-homeloanemicalculator-php page page-id-3288 home-loan-emi-calculator"> 36 <div class=calculatorcontainer> 37 <div class=homeloanemicalculatorcontainer> 38 <form id=homeloanemicalculatorform> 39 <div id=homeloanemicalculatorformInner> 40 <div class=row> 41 <div class="homeloandetails col-lg-6 col-xl-12"> 42 <div class=row> 43 <div class="col loandetailsheader gutter-left gutter-right"> 44 <h3 id="ld">Property Loan Details</h3> 45 </div> 46 </div> 47 <div class=row> 48 <div class="col-xl-3 form-group lhomeprice"> 49 <label class=control-label for=homeprice>Property Value (HV)</label> 50 <div class=input-group> 51 <input class=form-control tabindex=1 id=homeprice name=homeprice value=65,00,000 52 type=text> 53 <div class=input-group-append> <span class=input-group-text>â¹</span></div> 54 </div> 55 </div> 56 <div class="col-xl-3 form-group ldownpayment"> 57 <label class=control-label for=downpayment>Margin OR Down Payment (DP)</label> 58 <div class=downpaymentwrapper> 59 <div class=input-group> 60 <input class=form-control tabindex=2 id=downpayment name=downpayment 61 value=20 type=text> 62 <div class="input-group-append downpaymententrychoice" data-toggle=buttons> 63 <div class="btn-group btn-group-toggle" data-toggle=buttons> 64 <label class="btn btn-secondary active"> 65 <input type=radio name=downpaymententry id=downpaymentpercentage 66 value=downpaymentpercentage tabindex=3 autocomplete=off 67 checked=checked>% </label> 68 <label class="btn btn-secondary"> 69 <input type=radio name=downpaymententry id=downpaymentrupees 70 value=downpaymentrupees tabindex=4 autocomplete=off>â¹ 71 </label> 72 </div> 73 </div> 74 </div> 75 </div> 76 </div> 77 <div class="col-xl-3 form-group hliamount"> 78 <label class=control-label for=homeloaninsuranceamount>Loan Insurance (LI)</label> 79 <div class=input-group> 80 <input class=form-control tabindex=5 id=homeloaninsuranceamount 81 name=homeloaninsuranceamount value=1,70,000 type=text> 82 <div class=input-group-append> <span class=input-group-text>â¹</span></div> 83 </div> 84 </div> 85 <div class="col-xl-3 form-group lamount"> 86 <label class=control-label for=homeloanamount>Loan Amount (HV + LI â DP)</label> 87 <div class=input-group> 88 <input class=form-control tabindex=6 id=homeloanamount name=homeloanamount 89 value=45,00,000 type=text> 90 <div class=input-group-append> <span class=input-group-text>â¹</span></div> 91 </div> 92 </div> 93 </div> 94 <div class=row> 95 <div class="col-xl-3 form-group lint"> 96 <label class=control-label for=homeloaninterest>Interest Rate</label> 97 <div class=input-group> 98 <input class=form-control tabindex=7 id=homeloaninterest name=homeloaninterest 99 value=10.0 type=text> 100 <div class=input-group-append> <span class=input-group-text>%</span></div> 101 </div> 102 </div> 103 <div class="col-xl-3 form-group lterm"> 104 <label class=control-label for=homeloanterm>Loan Tenure</label> 105 <div class=loantermwrapper> 106 <div class=input-group> 107 <input class=form-control tabindex=8 id=homeloanterm name=homeloanterm 108 value=20 type=text> 109 <div class="input-group-append tenurechoice" data-toggle=buttons> 110 <div class="btn-group btn-group-toggle" data-toggle=buttons> 111 <label class="btn btn-secondary active"> 112 <input type=radio name=homeloantenure id=homeloanyears 113 value=homeloanyears tabindex=9 autocomplete=off 114 checked=checked>Yr </label> 115 <label class="btn btn-secondary"> 116 <input type=radio name=homeloantenure id=homeloanmonths 117 value=homeloanmonths tabindex=10 autocomplete=off>Mo 118 </label> 119 </div> 120 </div> 121 </div> 122 </div> 123 </div> 124 <div class="col-xl-3 form-group lfees"> 125 <label class=control-label for=loanfees>Loan Fees & Charges</label> 126 <div class=loanfeeswrapper> 127 <div class=input-group> 128 <input class=form-control tabindex=11 id=loanfees name=loanfees value=0.25 129 type=text> 130 <div class="input-group-append loanfeesentrychoice" data-toggle=buttons> 131 <div class="btn-group btn-group-toggle" data-toggle=buttons> 132 <label class="btn btn-secondary active"> 133 <input type=radio name=loanfeesentry id=loanfeespercentage 134 value=loanfeespercentage tabindex=12 autocomplete=off 135 checked=checked>% </label> 136 <label class="btn btn-secondary"> 137 <input type=radio name=loanfeesentry id=loanfeesrupees 138 value=loanfeesrupees tabindex=13 autocomplete=off>â¹ </label> 139 </div> 140 </div> 141 </div> 142 </div> 143 </div> 144 <div class="col-xl-3 form-group form-group lstartmonthyear"> 145 <label class=control-label for=startmonthyear>Start Month & Year</label> 146 <div class=input-group> 147 <input class=form-control tabindex=14 id=startmonthyear name=startmonthyear 148 value=308,000 type=text> 149 <div class=input-group-append> <span class=input-group-text><i 150 class="far fa-calendar-alt"></i></span></div> 151 </div> 152 </div> 153 </div> 154 </div>
155 <div class="homeownerexpenses col-lg-6 col-xl-12"> 156 <div class=row> 157 <div class="col expensesheader gutter-left gutter-right"> 158 <h3 id="exp">Propertyowner Expenses</h3> 159 </div> 160 </div> 161 <div class=row> 162 <div class="col-xl-3 form-group lonetimeexpenses"> 163 <label class=control-label for=onetimeexpenses>One-time Expenses</label> 164 <div class=onetimeexpenseswrapper> 165 <div class=input-group> 166 <input class=form-control tabindex=15 id=onetimeexpenses 167 name=onetimeexpenses value=10 type=text> 168 <div class="input-group-append onetimeexpensesentrychoice" 169 data-toggle=buttons> 170 <div class="btn-group btn-group-toggle" data-toggle=buttons> 171 <label class="btn btn-secondary active"> 172 <input type=radio name=onetimeexpensesentry 173 id=onetimeexpensespercentage value=onetimeexpensespercentage 174 tabindex=16 autocomplete=off checked=checked>% </label> 175 <label class="btn btn-secondary"> 176 <input type=radio name=onetimeexpensesentry 177 id=onetimeexpensesrupees value=onetimeexpensesrupees 178 tabindex=17 autocomplete=off>â¹ </label> 179 </div> 180 </div> 181 </div> 182 </div> 183 </div> 184 <div class="col-xl-3 form-group lpropertytaxes"> 185 <label class=control-label for=propertytaxes>Property Taxes / year</label> 186 <div class=propertytaxeswrapper> 187 <div class=input-group> 188 <input class=form-control tabindex=18 id=propertytaxes name=propertytaxes 189 value=0.25 type=text> 190 <div class="input-group-append propertytaxesentrychoice" 191 data-toggle=buttons> 192 <div class="btn-group btn-group-toggle" data-toggle=buttons> 193 <label class="btn btn-secondary active"> 194 <input type=radio name=propertytaxesentry 195 id=propertytaxespercentage value=propertytaxespercentage 196 tabindex=19 autocomplete=off checked=checked>% </label> 197 <label class="btn btn-secondary"> 198 <input type=radio name=propertytaxesentry id=propertytaxesrupees 199 value=propertytaxesrupees tabindex=20 autocomplete=off>â¹ 200 </label> 201 </div> 202 </div> 203 </div> 204 </div> 205 </div> 206 <div class="col-xl-3 form-group lhomeinsurance"> 207 <label class=control-label for=homeinsurance>Property Insurance / year</label> 208 <div class=homeinsurancewrapper> 209 <div class=input-group> 210 <input class=form-control tabindex=21 id=homeinsurance name=homeinsurance 211 value=0.05 type=text> 212 <div class="input-group-append hoientrychoice" data-toggle=buttons> 213 <div class="btn-group btn-group-toggle" data-toggle=buttons> 214 <label class="btn btn-secondary active"> 215 <input type=radio name=homeinsuranceentry 216 id=homeinsurancepercentage value=homeinsurancepercentage 217 tabindex=22 autocomplete=off checked=checked>% </label> 218 <label class="btn btn-secondary"> 219 <input type=radio name=homeinsuranceentry id=homeinsurancerupees 220 value=homeinsurancerupees tabindex=23 autocomplete=off>â¹ 221 </label> 222 </div> 223 </div> 224 </div> 225 </div> 226 </div> 227 <div class="col-xl-3 form-group form-group lmaintenanceexpenses"> 228 <label class=control-label for=maintenanceexpenses>Maintenance Expenses / 229 month</label> 230 <div class=input-group> 231 <input class=form-control tabindex=24 id=maintenanceexpenses 232 name=maintenanceexpenses value=2,500 type=text> 233 <div class=input-group-append> <span class=input-group-text>â¹</span></div> 234 </div> 235 </div> 236 </div> 237 </div> 238 </div> 239 <div class=row> 240 <div class=col-12> 241 <div id=extrapayments> 242 <div class=row> 243 <div class="col extrapaymentsheader gutter-left gutter-right"> 244 <h3 id="ep">Partial Prepayments â Amount and Start Date</h3> 245 </div> 246 </div> 247 <div class="row extrapaymentchoices"> 248 <div class="col-lg-3 emonthly extraperiod"> 249 <div class=form-group> 250 <label class=control-label for=extramonthly>Monthly</label> 251 <div class=input-group> 252 <input class="form-control rupeeamount" tabindex=25 id=extramonthly 253 name=extramonthly value=0 type=text> 254 <div class=input-group-append> <span class=input-group-text>â¹</span> 255 </div> 256 </div> 257 </div> 258 <div class="form-group extrastartdate"> 259 <label class=control-label for=extramonthlystartmonthyear>starting 260 from</label> 261 <div class=input-group> 262 <input class=form-control tabindex=26 id=extramonthlystartmonthyear 263 name=extramonthlystartmonthyear value type=text> 264 <div class=input-group-append> <span class=input-group-text><i 265 class="far fa-calendar-alt"></i></span></div> 266 </div> 267 </div> 268 </div> 269 <div class="col-lg-3 eyearly extraperiod"> 270 <div class=form-group> 271 <label class=control-label for=extrayearly>Yearly</label> 272 <div class=input-group> 273 <input class="form-control rupeeamount" tabindex=27 id=extrayearly 274 name=extrayearly value=0 type=text> 275 <div class=input-group-append> <span class=input-group-text>â¹</span> 276 </div> 277 </div> 278 </div> 279 <div class="form-group extrastartdate"> 280 <label class=control-label for=extrayearlystartmonthyear>starting 281 from</label> 282 <div class=input-group> 283 <input class=form-control tabindex=28 id=extrayearlystartmonthyear 284 name=extrayearlystartmonthyear value type=text> 285 <div class=input-group-append> <span class=input-group-text><i 286 class="far fa-calendar-alt"></i></span></div> 287 </div> 288 </div> 289 </div> 290 <div class="col-lg-3 equarterly extraperiod"> 291 <div class=form-group> 292 <label class=control-label for=extraquarterly>Quarterly</label> 293 <div class=input-group> 294 <input class="form-control rupeeamount" tabindex=29 id=extraquarterly 295 name=extraquarterly value=0 type=text> 296 <div class=input-group-append> <span class=input-group-text>â¹</span> 297 </div> 298 </div> 299 </div> 300 <div class="form-group extrastartdate"> 301 <label class=control-label for=extraquarterlystartmonthyear>starting 302 from</label> 303 <div class=input-group> 304 <input class=form-control tabindex=30 id=extraquarterlystartmonthyear 305 name=extraquarterlystartmonthyear value type=text> 306 <div class=input-group-append> <span class=input-group-text><i 307 class="far fa-calendar-alt"></i></span></div> 308 </div> 309 </div> 310 </div> 311 <div class="col-lg-3 eonetime extraperiod"> 312 <div class=form-group> 313 <label class=control-label for=extraonetime>One-time only</label> 314 <div class=input-group> 315 <input class="form-control rupeeamount" tabindex=31 id=extraonetime 316 name=extraonetime value=0 type=text> 317 <div class=input-group-append> <span class=input-group-text>â¹</span> 318 </div> 319 </div> 320 </div> 321 <div class=form-group> 322 <label class=control-label for=extraonetimestartmonthyear>in the month 323 of</label> 324 <div class=input-group> 325 <input class=form-control tabindex=32 id=extraonetimestartmonthyear 326 name=extraonetimestartmonthyear value type=text> 327 <div class=input-group-append> <span class=input-group-text><i 328 class="far fa-calendar-alt"></i></span></div> 329 </div> 330 </div> 331 </div> 332 </div> 333 </div> 334 </div> 335 </div> 336 <input id=loandata name=loandata value type=hidden> 337 <input id=calcversion name=calcversion value=1.0 type=hidden> 338 <div class=cleardiv></div>
339 </div> 340 </form> 341 <div class=addextrapayments><a href=# class="visible-ts extratoggle btn btn-primary btn-block" 342 role=button><i class="fa fa-plus"></i> Add Prepayments</a></div> 343 <div class=removeextrapayments><a href=# class="visible-ts extratoggle btn btn-primary btn-block" 344 role=button><i class="fa fa-minus"></i> Remove Prepayments</a></div> 345 <div class=addextrapayments><a href=# class="hidden-ts extratoggle btn btn-primary" role=button><i 346 class="fa fa-plus"></i> Add Prepayments</a></div> 347 <div class=removeextrapayments><a href=# class="hidden-ts extratoggle btn btn-primary" role=button><i 348 class="fa fa-minus"></i> Remove Prepayments</a></div> 349 <div id=homeloanpaymentdetails> 350 <div class=row> 351 <div class="homeloanpaymentsummary col-lg-12"> 352 <div id=monthlyhomeloanpaymentsummarywrapper> 353 <table id=monthlyhomeloanpaymentsummary> 354 <tbody> 355 <tr> 356 <td id=monthlyprincipalandinterestterm class=col-8>Principal & Interest 357 (EMI)</td> 358 <td id=monthlyprincipalandinterestdef class="col-4 currency">â¹1,690</td> 359 </tr> 360 <tr> 361 <td id=extraterm class=col-8>Monthly Extra Payment (from Oct 2013)</td> 362 <td id=extradef class="col-4 currency">â¹0</td> 363 </tr> 364 <tr> 365 <td id=monthlypropertytaxesterm class=col-8>Property Taxes</td> 366 <td id=monthlypropertytaxesdef class="col-4 currency">â¹350</td> 367 </tr> 368 <tr> 369 <td id=monthlyhomeinsuranceterm class=col-8>Property Insurance</td> 370 <td id=monthlyhomeinsurancedef class="col-4 currency">â¹66</td> 371 </tr> 372 <tr> 373 <td id=monthlymaintenanceexpensesterm class="col-8 lastterm">Maintenance 374 Expenses</td> 375 <td id=monthlymaintenanceexpensesdef class="col-4 currency lastdef">â¹0</td> 376 </tr> 377 <tr> 378 <td class="col-8 aggregatelabel lastterm">Total Monthly Payment</td> 379 <td id=monthlypayment class="col-4 currency aggregatesum lastdef">â¹2,244</td> 380 </tr> 381 </tbody> 382 </table> 383 </div> 384 <div id=totalhomeloanpaymentbreakup> 385 <div class=row> 386 <div id=totalhomeloanchart class="col-12 col-sm-4 highcharts-container"></div> 387 <div class="col-12 col-sm-8"> 388 <table id=totalhomeloanpaymentsummary> 389 <tbody> 390 <tr> 391 <td id=downpaymentfeesonetimeexpensesterm class=col-7>Down Payment, Fees 392 & One-time Expenses</td> 393 <td id=downpaymentfeesonetimeexpensesdef class="col-5 currency">â¹35,000 394 </td> 395 </tr> 396 <tr> 397 <td id=totalprincipalterm class=col-7>Principal</td> 398 <td id=totalprincipaldef class="col-5 currency">â¹3,15,000</td> 399 </tr> 400 <tr> 401 <td id=totalextraterm class=col-7>Prepayments</td> 402 <td id=totalextradef class="col-5 currency">â¹0</td> 403 </tr> 404 <tr> 405 <td id=totalinterestterm class=col-7>Interest</td> 406 <td id=totalinterestdef class="col-5 currency">â¹2,93,755</td> 407 </tr> 408 <tr> 409 <td id=totalinsurancemaintenanceandtaxesterm class="col-7 lastterm"> 410 Taxes, Property Insurance & Maintenance</td> 411 <td id=totalinsurancemaintenanceandtaxesdef 412 class="col-5 currency lastdef">â¹1,60,783</td> 413 </tr> 414 </tbody> 415 </table> 416 </div> 417 </div> 418 <div class="row no-margin"> 419 <div class="col-6 aggregatelabel lastterm">Total of all Payments</div> 420 <div id=totalpayment class="col-6 currency aggregatesum lastdef">â¹8,04,539</div> 421 </div> 422 </div> 423 </div> 424 </div> 425 </div> 426 <div id=amortizationscheduleheader>Property Loan Payment Schedule 427 <br>(<span id=startmonthyeartext>Oct 2013</span> - <span id=endmonthyeartext>Sep 2043</span>) 428 </div> 429 <div id=paymentschedulechart class="hidden-ts highcharts-container"></div> 430 <div id=paymentschedule></div> 431 <div id=ecalprintandshare> 432 <p id=ecalprintandsharetext>Want to print your Property Loan EMI calculation (with all your numbers 433 pre-filled)?</p> <a title="Print this page" class="ecalprint btn btn-primary btn-lg" href=# 434 role=button><i class="fa fa-print"></i> Print</a> 435 <div id=loader><i class="fa fa-spinner fa-pulse"></i></div> 436 </div> 437 438 </div> 439 </div> 440 <div class=entry-content> 441 <h2>How to Use Property Loan EMI Calculator?</h2> 442 <p>Using our Property Loan EMI Calculator, you can calculate how much monthly and total expenditure you really 443 incur by purchasing a Property using your bank Property loan.</p> 444 <p><strong>Property Loan Details</strong> includes single premium loan insurance and processing fees.</p> 445 <ul> 446 <li><strong>Property Value</strong> is the actual price of the Property you purchased (i.e., sale deed 447 value).</li> 448 <li><strong>Down Payment, aka Margin</strong>, is the total money you paid to the seller or builder from 449 your own pocket, entered either in Rupees or as a percentage of Property Value.</li> 450 <li><strong>Loan Insurance </strong>is the single premium amount, for the Property Loan Protection Plan 451 (HLPP) OR Term Insurance Plan, that gets included in your Property loan amount. If you want to 452 guesstimate this amount, use the LIC premium calculator to calculate yearly premium for eTerm plan using 453 your age, loan term and loan amount for Sum Assured. You then multiply this number by your loan tenure. 454 </li> 455 <li><strong>Loan Amount</strong> is calculated as <strong>Property Value + Loan Insurance â Down 456 Payment</strong>.</li> 457 <li><strong>Interest Rate</strong> is…the 10th wonder of the world! When its compounded, it ranks 8th. 458 </li> 459 <li><strong>Loan Fees & Charges</strong> includes Processing Fees, Administrative Charges etc. along 460 with service taxes, entered either in Rupees or as a percentage of Loan Amount.</li> 461 </ul> 462 <p><strong>Propertyowner Expenses</strong> can be entered either in Rupees or as a percentage of Property Value. 463 You will not pay property taxes and Property insurance premium each month, but it is included in the total 464 monthly payment with the assumption that you are setting aside this amount (either through Recurring Deposit 465 or some other means) every month. This will ensure that you will have the necessary money to make the 466 payment once or twice a year. Please note that the recurring expenses will change over the lifetime of the 467 Property loan due to inflation and other factors. They will also continue beyond the Property loan tenure. 468 You should consider all these factors, especially when making a Rent vs. Buy<span
469 class=Apple-converted-space>Â </span>decision.</p> 470 <ul> 471 <li><strong>One-time Expenses</strong> can include Registration Fees, Stamp Duty, bribe you paid to that pan 472 chewing Govt Babu, money you spent on sprucing up your new Property and performing a lavish house 473 warming ceremony (after all, this is a great occasion for your spouse to show off in front of his/her 474 friends & relatives).</li> 475 <li><strong>Property Taxes</strong> is the annual payment that you grudgingly make to your local municipal 476 body.</li> 477 <li><strong>Property Insurance</strong> is the yearly premium you pay to insure your homeâif it isn’t 478 already covered by loan insurance plan.</li> 479 <li><strong>Monthly Maintenance Expenses </strong>is what you pay to keep your apartment shining, clean and 480 ‘water-full’. If its an independent house, you can assume your annual maintenance 481 expenditure to be about one percent of your Property value. Divide this number by 12 to arrive at 482 monthly maintenance amount.</li> 483 </ul> 484 </div> 485 486
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