Worked EMI, tenure, prepayment, eligibility and balance transfer sums with the arithmetic shown, plus decision checklists.
An EMI looks like a single number, but behind it sits an amortisation schedule in which most of your early payments go to interest. Small decisions such as five extra years of tenure, a ₹5 lakh part-prepayment or a balance transfer at a lower spread change the total you pay by several lakh rupees. This section shows the sums line by line so you can repeat them with your own figures.
Begin with the home loan EMI calculation guide and checklist. The other guides take one decision each: 15, 20, 25 or 30 years of tenure; prepayment to cut EMI or tenure; what happens to your EMI when the rate is reset; how much you can borrow on your income; a balance transfer worked example with break-even; pre-EMI versus full EMI on an under-construction flat; and borrowing jointly with a co-applicant.
The EMI calculator, balance transfer calculator and upfront charges calculator use the same formulas as the guides. All figures in worked examples are illustrative.
EMI Calculations and Checklists
What happens to your EMI when a floating home loan rate rises, RBI's 2023 reset rules, a worked comparison of higher EMI vs longer tenure, and when to switch to fixed.
EMI Calculations and Checklists
Calculate whether a home loan balance transfer saves money after fees, GST and stamp duty, with three worked cases, the step-by-step process and pitfalls.
EMI Calculations and Checklists
How Indian lenders work out home loan eligibility from net income, existing EMIs and FOIR, with a worked example, the LTV check and ways to raise eligibility safely.
EMI Calculations and Checklists
Calculate your home loan EMI by hand with the reducing-balance formula, see how interest and principal split over 20 years, and use a checklist before you borrow.
EMI Calculations and Checklists
What a ₹5 lakh part-prepayment saves on an Indian home loan if you cut the tenure or the EMI, why timing matters, prepayment rules and when investing is better.
EMI Calculations and Checklists
Compare home loan tenures of 15 to 30 years on a ₹50 lakh loan, see how much extra interest a longer tenure costs, and how age, rate rises and prepayment change the choice.
EMI Calculations and Checklists
How a joint home loan with a spouse or parent raises eligibility, how both co-owners can claim tax deductions, a worked example and what happens if the relationship or income changes.
EMI Calculations and Checklists
How pre-EMI interest works on tranche disbursements for under-construction property in India, a worked comparison with full EMI, subvention schemes and RERA checks.
