PropIntel Tools
EMI & Loan Eligibility Calculator
Calculate your monthly EMI, total interest, and check how much loan you're eligible for based on your salary.
Property Details
₹50.00L
₹10L₹10Cr
20% · ₹10.00L
10%50%
Loan Amount₹40.00L
Loan Terms
8.75% p.a.
6%15%
20 years
5 yrs30 yrs
Salary-Based Eligibility
₹1.00L/mo
₹25K₹10L
✅ Eligible for this loan
Max property you can afford: ₹1.38Cr
Monthly EMI
₹35,348/mo
Total Interest
₹44.84L
Total Payment
₹84.84L
Payment Breakdown
47%
53%
Principal — ₹40.00L
Interest — ₹44.84L
EMI as % of salary
35%
✅ Comfortable
Interest saved (5yr less)
₹12.88L
if you reduce tenure by 5 yrs
Break-even appreciation
5.6%/yr
appreciation needed to cover interest
Down payment saved
₹10.00L
20% of property value
Year-wise Repayment Schedule
| Year | Principal Paid | Interest Paid | Balance |
|---|---|---|---|
| Year 1 | ₹77,230 | ₹3.47L | ₹39.23L |
| Year 2 | ₹84,265 | ₹3.40L | ₹38.39L |
| Year 3 | ₹91,941 | ₹3.32L | ₹37.47L |
| Year 4 | ₹1.00L | ₹3.24L | ₹36.46L |
| Year 5 | ₹1.09L | ₹3.15L | ₹35.37L |
| Year 6 | ₹1.19L | ₹3.05L | ₹34.17L |
| Year 7 | ₹1.30L | ₹2.94L | ₹32.87L |
| Year 8 | ₹1.42L | ₹2.82L | ₹31.45L |
| Year 9 | ₹1.55L | ₹2.69L | ₹29.90L |
| Year 10 | ₹1.69L | ₹2.55L | ₹28.21L |
| ... 10 more years | |||
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