4/13/2018 Home Loan EMI Calculator with Prepayments, Taxes & Insurance

Home Loan Details

Home Value (HV)

80,00,000 ₹

Margin OR Down Payment (DP)

20 % ₹

Loan Insurance (LI)

0 ₹

Loan Amount (HV + LI – DP)

64,00,000 ₹

Interest Rate

8.5 %

Loan Tenure

13 Yr Mo

Loan Fees & Charges

0.25 % ₹

Start Month & Year

Jun 2017 

Homeowner Expenses
One-time Expenses

10 % ₹

Property Taxes / year

0.25 % ₹

Home Insurance / year

0.05 % ₹

Maintenance Expenses / month

2,500 ₹

Partial Prepayments — Amount and Start Date

Monthly

0 ₹

starting from

Apr 2018 

Yearly

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4/13/2018 Home Loan EMI Calculator with Prepayments, Taxes & Insurance

0 ₹

starting from

Apr 2018 

Quarterly

0 ₹

starting from

Apr 2018 

One-time only

7,60,000 ₹

in the month of

May 2018 

 Remove Prepayments

Principal & Interest (EMI) ₹ 67,915

Monthly Extra Payment ₹0

Property Taxes ₹ 1,667

Home Insurance ₹ 333

Maintenance Expenses ₹ 2,500

Total Monthly Payment ₹ 72,415

Total
of all
Payments

Down Payment, Fees & One-time Expenses ₹ 24,16,000

Principal ₹ 56,40,000

Prepayments ₹ 7,60,000

Interest ₹ 30,49,148

Taxes, Home Insurance & Maintenance ₹ 5,76,000

Total of all Payments ₹ 1,24,41,148

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4/13/2018 Home Loan EMI Calculator with Prepayments, Taxes & Insurance

Home Loan Payment Schedule

(Jun 2017 - Jan 2028)

₹ 1,00,00,000 ₹ 25,00,000

₹ 80,00,000 ₹ 20,00,000

Home Loan Payment / year

₹ 60,00,000 ₹ 15,00,000
Balance

₹ 40,00,000 ₹ 10,00,000

₹ 20,00,000 ₹ 5,00,000

₹0 ₹0
17

19

21

23

25

27
20

20

20

20

20

20

Principal Prepayments Interest Taxes, Home Insurance & Maintenance Balance

Principal Prepayment Interest

Year Taxes, Home Insurance & Maint (D)
(A) (B) (C)

 2017 ₹ 1,61,474 ₹0 ₹ 3,13,934 ₹ 31,500

 2018 ₹ 3,34,562 ₹ 7,60,000 ₹ 4,80,423 ₹ 54,000

 2019 ₹ 3,92,818 ₹0 ₹ 4,22,167 ₹ 54,000

 2020 ₹ 4,27,540 ₹0 ₹ 3,87,446 ₹ 54,000

 2021 ₹ 4,65,330 ₹0 ₹ 3,49,655 ₹ 54,000

 2022 ₹ 5,06,461 ₹0 ₹ 3,08,524 ₹ 54,000

 2023 ₹ 5,51,228 ₹0 ₹ 2,63,758 ₹ 54,000

 2024 ₹ 5,99,951 ₹0 ₹ 2,15,034 ₹ 54,000

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4/13/2018 Home Loan EMI Calculator with Prepayments, Taxes & Insurance

 2025 ₹ 6,52,982 ₹0 ₹ 1,62,004 ₹ 54,000

 2026 ₹ 7,10,699 ₹0 ₹ 1,04,286 ₹ 54,000

 2027 ₹ 7,73,519 ₹0 ₹ 41,467 ₹ 54,000

 2028 ₹ 63,435 ₹0 ₹ 449 ₹ 4,500

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4/13/2018 Home Loan EMI Calculator with Prepayments, Taxes & Insurance

1 Apply Home Loan @ 9.30%

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