₹50L home loan, 8.5%, 20 years = ₹53.3 lakh interest — loan से ज्यादा! EMI, prepayment, bank comparison — सब जानो।
Home Loan EMI — Calculate!
Bank comparison, prepayment savings।
EMI Example
| Metric | ₹50L, 8.5%, 20yr |
|---|---|
| EMI | ₹43,391 |
| Total Interest | ₹53.3 lakh |
| Total Paid | ₹1.04 crore |
Prepayment Magic
+₹5,000/month extra → ₹11.5 lakh saved, 4 years early। Floating rate = zero prepayment penalty (RBI rule)।
Bank Comparison
| Bank | Rate |
|---|---|
| SBI | 8.25-9.15% |
| HDFC | 8.50-9.40% |
| BOB | 8.15-9.45% |
0.5% difference = ₹3.8 lakh saving over 20 years।
How to Use the Tool (Step by Step)
- 1
Loan amount
Property - down payment।
- 2
Interest rate
Compare banks।
- 3
Tenure
15/20/25/30 years।
- 4
EMI + total cost
Prepayment options।
Frequently Asked Questions
20 vs 30 years?+−
20 years = ₹30-40 lakh less interest। Higher EMI but much cheaper overall।
Prepayment worth?+−
Absolutely। +₹5K/month = ₹11.5L saved। No penalty on floating rate।
Tax benefit?+−
Old regime: ₹2L interest (24b) + ₹1.5L principal (80C)। New regime: not available।
Balance transfer?+−
0.5% lower rate = ₹3-4L saving। Processing fee ₹10-20K — months में recover।
Home Loan EMI — Calculate!
Bank comparison, prepayment savings।
Calculator खोलें →Related Guides
ईएमआई कैलकुलेटर गाइड
EMI formula, भारतीय बैंकों की interest rates, salary vs loan eligibility — 2026 की पूरी जानकारी।
Property Registration Charges — State-Wise (2026)
Stamp duty + registration = 8-12% extra। ₹80L flat = ₹88-92L total cost।