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Enter cost, tenure, interest rate for instant EMI results.","topContent":[{"type":"paragraph","data":{"text":"BankBazaar\u2019s Free Home Loan EMI Calculator helps you to estimate your monthly payments and plan your loan repayment."}},{"type":"paragraph","data":{"text":"The only data you need to input into the calculator are your desired loan amount, <a href=\"https:\/\/www.bankbazaar.com\/home-loan-interest-rate.html\" target=\"_blank\">home loan interest rates<\/a>, and tenure. The calculator will then display the precise amount that will have to be paid every month as EMI, thus helping you plan your monthly budget for months at a time."}}],"hungryForMore":[{"type":"image","data":{"float":"no-float","lazy":true,"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_svg_153824&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_svg_153824","src":"https:\/\/static.bankbazaar.com\/images\/credit-core-asvg.svg","alt":"Check Free credit Score Now","width":230,"height":50,"title":"Check Free credit Score Now"}},{"type":"calculator","data":{"type":"HL_EMI"}},{"type":"paragraph","data":{"text":"It's crucial for borrowers to estimate their EMI using a home loan EMI calculator. BankBazaar\u2019s Home Loan Equated Monthly Instalment (EMI) online calculator is a free financial tool that helps <a href=\"https:\/\/www.bankbazaar.com\/home-loan.html\" target=\"_blank\">home loan<\/a> borrowers plan and manage their loan repayments. Here are more details about the Home Loan EMI Calculator. "}},{"type":"header","data":{"text":"How can home loan EMI calculator help you? ","level":2}},{"type":"paragraph","data":{"text":"Here are the details how home loan EMI calculator can help the home loan applicants: "}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_153824&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_153824","linkText":"Check FREE Credit Score"}},{"type":"list","data":{"style":"unordered","items":[{"content":"EMI, or Equated Monthly Instalment, is a fixed monthly payment a borrower makes to the lender until the loan tenure ends. ","items":[]},{"content":"A home loan EMI calculator simplifies this process as calculating EMI and its components can be complex for first-time borrowers. ","items":[]},{"content":"Manually calculating EMI can be time-consuming and prone to errors, while an EMI calculator saves time and ensures accuracy. ","items":[]},{"content":"Accurate EMI estimates are crucial for effective financial planning, eliminating any chance of inaccuracies or confusion. ","items":[]},{"content":"EMI calculation varies by loan type, and a home loan EMI calculator is specifically designed for home loans. ","items":[]},{"content":"The online EMI calculator is free to use and allows checking EMIs for different loan amounts to find the best fit for your financial situation. ","items":[]}]}},{"type":"image","data":{"float":"no-float","lazy":true,"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_svg_153824&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_svg_153824","src":"https:\/\/static.bankbazaar.com\/images\/credit-core-asvg.svg","alt":"Check Free credit Score Now","width":230,"height":50,"title":"Check Free credit Score Now"}},{"type":"header","data":{"text":"How Does Home Loan EMI Calculator Work? ","level":2}},{"type":"paragraph","data":{"text":"Here is how a home loan EMI calculator works: "}},{"type":"list","data":{"style":"unordered","items":[{"content":"Input required data, such as desired loan amount, home loan interest rates, and tenure. ","items":[]},{"content":"The calculator shows the exact monthly EMI, aiding in monthly budget planning. ","items":[]},{"content":"The calculator is free to use unlimited times. ","items":[]},{"content":"Useful for recalculating EMI when interest rates change. ","items":[]},{"content":"After clicking \"Calculate,\" user will see the EMI, principal and interest breakdown, an amortization table, and a bar graph detailing EMI over the loan tenure. ","items":[]}]}},{"type":"paragraph","data":{"text":"The loan amount required to buy or construct your dream home is offered at an attractive <a href=\"https:\/\/www.bankbazaar.com\/home-loan-interest-rate.html\" target=\"_blank\">home loan interest rate<\/a>, provided you fulfil the eligibility criteria laid down by the respective lender. Here, we have compiled a table wherein the lowest interest rate and the home loan EMI (Equated Monthly Installments) payable by you for every lakh is calculated with the above home loan interest calculator."}},{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"<strong>Loan Amount<\/strong>"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs. 25,00,000"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"<strong>Interest Rate<\/strong>"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"8.40% p.a."}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"<strong>Tenure<\/strong>"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"20 Year"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"<strong>Monthly Installment<\/strong>"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs. 18,935"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"<strong>Total Interest Due<\/strong>"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs. 20,44,365"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"<strong>Total Amount Payable<\/strong>"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs. 45,44,365"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}},{"type":"header","data":{"text":"What is Home Loan EMI Calculation Formula?","level":2}},{"type":"jumbotron","data":{"title":"Formula -","elements":[{"type":"paragraph","data":{"text":"Formula for Home Loan EMI Calculation - <strong>EMI = [P x R x (1+R)^N]\/[(1+R)^N-1]<\/strong>"}},{"type":"paragraph","data":{"text":"Where,"}},{"type":"paragraph","data":{"text":"<strong>E<\/strong> - Equated Monthly Installment,<strong>P<\/strong> - Principal or loan amount,<strong>R<\/strong> - Interest rate per month (the annual interest rate is divided by 12 to get the monthly interest rate), and<strong>N<\/strong> - Number of monthly instalments or loan tenure in months.<strong>*<\/strong>This formula doesn\u2019t include the home loan processing fee charged by the bank."}}]}},{"type":"paragraph","data":{"text":"<strong>Home Loan EMI Calculation with Example<\/strong>"}},{"type":"paragraph","data":{"text":"Mr. Patra borrowed a home loan amount of 3,500,000 (Principal amount or P) from a reputed bank. The rate of interest (R) associated with the loan stands at 8.65% p.a. The tenure of the loan (N) is 360 months for 30 years"}},{"type":"paragraph","data":{"text":"After you apply the formula to <strong>calculate your home loan EMI<\/strong>, the monthly instalment amount comes up to \u20B9 27,285."}},{"type":"paragraph","data":{"text":"<strong>P<\/strong> = 3,500,000<strong>R<\/strong> = 8.65%<strong>N<\/strong>= 30 years or 360 Months"}},{"type":"paragraph","data":{"text":"<strong>Interest Rate Applied<\/strong> = 8.65%"}},{"type":"paragraph","data":{"text":"<strong>Monthly EMI<\/strong> = Rs 27,285"}},{"type":"paragraph","data":{"text":"<strong>EMI Paid for the Year<\/strong> = Rs 27,285 * 12= Rs 327,419"}},{"type":"image","data":{"float":"no-float","lazy":true,"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_svg_153824&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_svg_153824","src":"https:\/\/static.bankbazaar.com\/images\/credit-core-asvg.svg","alt":"Check Free credit Score Now","width":230,"height":50,"title":"Check Free credit Score Now"}},{"type":"header","data":{"text":"How to Calculate Home Loan EMI Using Excel Sheet?","level":2}},{"type":"paragraph","data":{"text":"Calculation of home loan EMI is a simple method using an excel spreadsheet. In order to do so, three variables of a housing loan are utilised, namely, rate of interest, period, and loan amount. It must be noted that the rate of interest should be calculated on a monthly basis."}},{"type":"paragraph","data":{"text":"<strong>For example<\/strong>, if the rate of interest is 12%, it should be calculated as 12%\/12 = 1%. The period represents the total number of EMI payable."}},{"type":"paragraph","data":{"text":"In order to calculate EMI, click on the \u201C=\u201D symbol, type \u2018PMT(the rate of interest, period, loan amount)\u2019, and click enter. The excel sheet will the produce an amount in a negative value. This indicates the cash flow that the borrower will have to incur. This is the EMI that a home loan borrower would have to pay."}},{"type":"paragraph","data":{"text":"<strong>For example<\/strong> if your <strong>loan amount is 5 lakh for 2 years at 12% p.a.<\/strong>the formula to calculate EMI is as follows."}},{"type":"paragraph","data":{"text":"=PMT(12%\/12, 24, 500000)"}},{"type":"header","data":{"text":"What are the Benefits of using Home Loan EMI Calculator?","level":2}},{"type":"paragraph","data":{"text":"There are many benefits of using the home loan EMI calculator tool provided by BankBazaar. They are listed below:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"<strong>Easy process:<\/strong> You only have to enter the loan amount, interest rate, processing fee (if available), and tenure. No complicated calculations or complex mathematics. The actual computation will be taken care of by the home loan emi calculator.","items":[]},{"content":"<strong>Get the breakup of the finance charges:<\/strong> This tool helps you understand the financial costs, such as total interest payable and processing fee value associated with your EMI. Since banks and financial institutes present them as a percentage of the loan amount, knowing the actual value can help understand the true cost of the loan.","items":[]},{"content":"<strong>Comparing loan offers:<\/strong> You can use the home loan calculator to <a href=\"https:\/\/www.bankbazaar.com\/home-loan.html\" target=\"_blank\">compare loan offers from various banks<\/a>. The results will show you the total cost of each loan along with their respective EMIs. This will help you narrow down the most feasible option.","items":[]},{"content":"<strong>Choosing the right tenure:<\/strong> Knowing your EMI from the home loan calculator also helps you choose the right tenure of the loan. If you can afford to pay a higher EMI, you can choose a shorter loan period and pay off your loan at the earliest. Otherwise, you can pay a more comfortable EMI and extend your loan period.","items":[]},{"content":"<strong>Helps in validating information:<\/strong> If you are negotiating a housing loan deal with a bank, you can verify the repayment schedule it provides. The repayment table details from the home loan calculator can help you verify this. Do keep in mind that the numbers may sometimes differ. This is because lenders may also include certain other fees and charges in your EMI calculation.","items":[]},{"content":"<strong>Helps with loan management:<\/strong> Sometimes, while paying your EMIs, you may have some extra funds to make prepayments. If you want to revisit the financials and see how prepayments can help to pay off the loan before the term ends, the home loan EMI calculator can help you do that.","items":[]}]}},{"type":"header","data":{"text":"Advantages of using BankBazaar Home loan EMI calculator:","level":2}},{"type":"paragraph","data":{"text":"The advantages of using the Home Loan EMI calculator offered by BankBazaar are as follows:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"You can easily use this calculator and get the exact amount of EMI that has to be paid.","items":[]},{"content":"The entire Home Loan EMI calculation is completed within seconds.","items":[]},{"content":"You need not remember or memorise the EMI calculation formula to use the BankBazaar Home Loan EMI calculator","items":[]},{"content":"This BankBazaar Home Loan EMI calculator can be used any number of times without paying any fee.","items":[]},{"content":"You don\u2019t have to complete any registration process to use the BankBazaar Home Loan EMI calculator.","items":[]},{"content":"There is no hidden cost involved in using the BankBazaar Home Loan EMI calculator.","items":[]}]}},{"type":"image","data":{"float":"no-float","lazy":true,"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_svg_153824&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_svg_153824","src":"https:\/\/static.bankbazaar.com\/images\/credit-core-asvg.svg","alt":"Check Free credit Score Now","width":230,"height":50,"title":"Check Free credit Score Now"}},{"type":"header","data":{"text":"What Factors Affect Your Home Loan EMI?","level":2}},{"type":"paragraph","data":{"text":"When calculating your EMI, the calculator includes all the parameters that impact it. Let\u2019s take a look at the various factors that affect your monthly repayments:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"<strong>Principal - <\/strong>The principal is the loan amount you initially borrow from the lender. It is directly proportional to your EMI. The higher the home loan amount, the higher the EMI.","items":[]},{"content":"<strong>Interest Rate:<\/strong> The interest rate is what you pay for borrowing the loan. In short, it shows you the cost of your loan. It differs from one bank to another. The higher the interest rate, the higher the EMI will be. Finding a lender that offers you the lowest interest rates can help you lower your home loan EMIs. The lower the interest rate, the lower the total cost of your loan will be.","items":[]},{"content":"<strong>Tenure - <\/strong>The time you take to repay the amount you borrow is called tenure or the period of the loan. The tenure is inversely proportional to your housing loan EMI. The longer the loan tenure, the lower your EMI. The loan tenure is determined based on your age at the time of borrowing and your retirement age. The longest home loan tenure offered by banks in India is 30 years","items":[]},{"content":"<strong>Processing Fee - <\/strong>This value is a percentage of your loan amount or a minimum or maximum fee decided by the lender. It is the fee that the bank <a href=\"https:\/\/www.bankbazaar.com\/home-loan\/home-loan-processing-fee.html\" target=\"_blank\">charges to process your loan application<\/a>. You can know about this amount from your loan documents. At least a part of this fee will be payable at the time of application. Your lender may not refund this amount even if your application is rejected.","items":[]},{"content":"<strong>Prepayments - <\/strong>As mentioned earlier, making <a href=\"https:\/\/www.bankbazaar.com\/home-loan\/home-loan-prepayment-calculator.html\" target=\"_blank\">prepayments<\/a> on your property loan can help you reduce the outstanding principal. And, in turn, reduces your interest charges. And both together contribute to lowering your EMIs if you prefer to keep the tenure constant.","items":[]}]}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_153824&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_153824","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"What are Flexible and Fixed Home Loan EMIs?","level":2}},{"type":"paragraph","data":{"text":"Your housing loan EMI is usually a fixed amount. But there are certain circumstances under which it can change. Let\u2019s take a look at some of these instances:"}},{"type":"paragraph","data":{"text":"<strong>Flexible Home Loan EMIs - <\/strong>If you have opted for flexible EMIs, such as in the case of step-up or step-down property loans, then there will be a change in your loan EMIs. In the case of step-up loans, your EMI will gradually increase over the tenure. In the case of step-down loans, your EMIs will decrease as time passes."}},{"type":"paragraph","data":{"text":"<strong>Partly Disbursed Loan - <\/strong>In the case of partly disbursed loans, the pre-EMIs will increase with each disbursement."}},{"type":"paragraph","data":{"text":"<strong>Home Loan Prepayment - <\/strong>Prepayments impact your EMIs as well. You can either choose to reduce the EMI for the same loan tenure or reduce the loan tenure and keep the EMIs constant. The latter is more beneficial since you will pay less interest."}},{"type":"paragraph","data":{"text":"<strong>Rise in the floating interest rate:<\/strong> Whenever the repo rate changes, the floating rate of interest also changes. If the floating rate increases, the lender will normally increase the loan tenure while keeping your EMI the same. If the new tenure exceeds the maximum period permitted, then the bank may increase your EMI."}},{"type":"header","data":{"text":"What are the Charges Applicable on Missing your Home Loan Installment(s)? ","level":3}},{"type":"paragraph","data":{"text":"The following is the list of applicable charges on home loan installments that you have missed to pay on its due date: "}},{"type":"list","data":{"style":"unordered","items":[{"content":"Cheque\/NACH\/SI Bounce Charges: Applied when a home loan EMI payment fails due to insufficient funds or account closure. This is a fixed charge imposed each time an automated EMI deduction fails. ","items":[]},{"content":"Late Payment Charges: Fixed amount or a percentage of the unpaid amount is charged. ","items":[]},{"content":"Penal Interest Charges: Applied on the unpaid EMI amount for a home loan as a fixed percentage payable per month on the unpaid principal amount until the due EMI is paid. ","items":[]}]}},{"type":"image","data":{"float":"no-float","lazy":true,"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_svg_153824&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_svg_153824","src":"https:\/\/static.bankbazaar.com\/images\/credit-core-asvg.svg","alt":"Check Free credit Score Now","width":230,"height":50,"title":"Check Free credit Score Now"}},{"type":"header","data":{"text":"How to Reduce Home Loan EMI? ","level":3}},{"type":"paragraph","data":{"text":"Here are the following ways to reduce home loan EMI: "}},{"type":"list","data":{"style":"unordered","items":[{"content":"Make Part Prepayments Whenever Possible: ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Paying part of the outstanding principal early can reduce your EMI or shorten the loan tenure. ","items":[]},{"content":"Choose a lower EMI only if the customer is struggling to make full payments. ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Home loans typically have a one-year lock-in period before the customer can fully or partially prepay without penalties. ","items":[]},{"content":"Banks and NBFCs cannot charge foreclosure fees or prepayment penalties on floating rate loans for non-business purposes. ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Opt for Home Loan Balance Transfer: ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Transfer the outstanding loan to lenders with lower interest rates, longer tenure, or both. ","items":[]},{"content":"Perform a cost-benefit analysis to ensure that interest savings are greater than transfer costs. ","items":[]},{"content":"Use an online EMI calculator to determine how much EMIs can decrease with a lower rate. ","items":[]}]}},{"type":"header","data":{"text":"Can Home Loan EMI Amount Change During the Loan Tenure? ","level":3}},{"type":"paragraph","data":{"text":"Here are the details that should be remembered about change of home loan EMI amount during loan tenure: "}},{"type":"list","data":{"style":"unordered","items":[{"content":"Step-Up or Step-Down Loans: ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Flexible EMIs, like step-up or step-down property loans, lead to changes in the housing loan EMI. ","items":[]},{"content":"Step-down loans see EMI decrease over time, while step-up loans gradually increase EMIs over the tenure ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Partly Disbursed Loan: ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"With partly disbursed loans, pre-EMIs rise with each disbursement. ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Loan Prepayment: ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Prepayments affect home loan EMIs. ","items":[]},{"content":"Choose to either reduce EMI for the same tenure or shorten the tenure with constant EMIs. ","items":[]},{"content":"Opting for the latter saves on interest. Use an EMI calculator for precise interest savings. ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Rise\/Fall in Floating Interest Rate: ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Changes in benchmark rates affect floating interest rates. ","items":[]},{"content":"Lenders may extend loan tenure while keeping EMIs constant, if rates increase. ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"The bank might increase the housing loan EMI, if the new tenure exceeds the maximum period allowed. ","items":[]}]}},{"type":"header","data":{"text":"What is a Home Loan Pre-EMI?","level":3}},{"type":"paragraph","data":{"text":"In some cases, the lender will disburse the home loan amount in stages. When this happens, you have to start paying your EMI only when you get the final amount and the whole loan has been disbursed. Till this date, you have to pay only the interest applicable on the partly spent amounts. This is known as pre-EMI. Once the loan gets fully disbursed, the pre-EMIs will stop and, you have to start paying your regular EMIs."}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_153824&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_153824","linkText":"Know Your Credit Score Now"}},{"type":"paragraph","data":{"text":"However, a wiser option would be to opt for a full EMI payment, as it ensures that you have already paid down a portion of the remaining loan amount at the time of possession."}},{"type":"header","data":{"text":"What are the Tax Benefits of Paying Home Loan EMIs?","level":2}},{"type":"paragraph","data":{"text":"The following are the tax benefits available for home loan EMIs under various sections: "}},{"type":"list","data":{"style":"unordered","items":[{"content":"<strong>On interest paid on housing loan under Section 24: <\/strong>","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"A home loan must be taken for purchasing or constructing a house to qualify for a tax deduction. For construction loans, the house must be completed within five years from the end of the financial year in which the loan was taken. ","items":[]},{"content":"The interest paid on the home loan EMI can be deducted from your total income, with a maximum deduction of Rs.2 lakh under Section 24. ","items":[]},{"content":"From the assessment year 2018-19 onwards, the maximum deduction for interest on self-occupied house property is Rs.2 lakh. ","items":[]},{"content":"For let-out property, there is no upper limit on the tax exemption for interest, allowing you to claim a deduction on the entire interest paid on your home loan. ","items":[]},{"content":"Applicants can only claim deductions on home loan interest up to Rs.30,000 for the financial year, if the construction exceeds the stipulated five-year period. ","items":[]},{"content":"The overall loss under the head \u2018Income from House Property\u2019 can be claimed against any other head of income up to Rs.2 lakh. This deduction can be claimed starting from the year the house construction is completed. ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"<strong>On interest paid towards home loan during the pre-construction period: <\/strong>","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"The Income Tax Act permits a deduction for pre-construction interest. ","items":[]},{"content":"This deduction can be claimed in five equal installments, beginning from the year the property is acquired or construction is completed. ","items":[]},{"content":"This is in addition to the regular house property income deduction. ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"The maximum deduction remains capped at Rs.2 lakh. ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"<strong>On principal repayment under Section 80C: <\/strong>","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Principal repayment on a home loan is deductible under Section 80C, up to Rs.1.50 lakh. ","items":[]},{"content":"The property must not be sold within five years of possession to claim this deduction. ","items":[]},{"content":"If sold within five years, the previously claimed deduction will be added back to your income in the year of sale. ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Stamp duty and registration charges under Section 80C: ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Home loan applicants can also claim deductions for stamp duty and registration charges under Section 80C, within the Rs.1.50 lakh limit. ","items":[]},{"content":"These deductions are only applicable in the year the expenses are incurred. ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"<strong>Additional deduction under Section 80EE: <\/strong>","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Homebuyers can claim an additional deduction under Section 80EE up to Rs.50,000. ","items":[]},{"content":"Conditions to meet for this deduction: ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Loan amount should be Rs.35 lakh or less, and property value must not exceed Rs 50 lakh. ","items":[]},{"content":"Loan must be sanctioned between 1st April 2016 and 31st March 2017. ","items":[]},{"content":"The individual must not own any other house on the loan sanction date, i.e., they must be a first-time house owner. ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Section 80EE was reintroduced but is valid only for loans sanctioned till 31st March 2017. ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"<strong>Additional deductions available under Section 80EEA: <\/strong>","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Budget 2019 introduced an additional deduction under Section 80EEA for homebuyers, up to Rs.1.50 lakh. ","items":[]},{"content":"Conditions to claim this deduction: ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Property stamp value must not exceed Rs.45 lakh. ","items":[]},{"content":"Loan must be sanctioned between 1 April 2019 and 31 March 2022 (extended from 31 March 2021). ","items":[]},{"content":"The individual must not own any other house at the time of loan sanction, i.e., they must be a first-time homebuyer. ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"The individual cannot claim deductions under Section 80EE if claiming under Section 80EEA. ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"<strong>Tax benefits for a joint home loan: <\/strong>","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Joint loan holders can each claim a deduction for home loan interest up to Rs.2 lakh and principal repayment under Section 80C up to Rs.1.50 lakh in their tax returns. ","items":[]},{"content":"They must also be co-owners of the property to qualify for tax deductions. ","items":[]},{"content":" Tax benefits can be maximised by joint loans with family members. ","items":[]}]}},{"type":"header","data":{"text":"New Tax Regime","level":3}},{"type":"paragraph","data":{"text":"The following are the impacts of new tax regime on home loan: "}},{"type":"list","data":{"style":"unordered","items":[{"content":"Home loan benefits under the old tax regime remain unchanged with full deductions available. ","items":[]},{"content":"Under the new tax regime: ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Deductions for principal repayment, stamp duty, and registration charges are not available under Sections 80C, 80EE, and 80EEA. ","items":[]},{"content":"Deductions for home loan interest payments are not available for self-occupied properties, under Section 24b. ","items":[]},{"content":"Deductions under Section 24b are available for let-out properties. Any loss from let-out property income can be set off against profit from other house properties but not against other income sources like salary. ","items":[]}]}},{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"Income Tax Slab"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"Tax Rate"}}],"colspan":1,"rowspan":1,"highlight":true}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Up to Rs.3 lakh"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Nil"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Above Rs.3 lakh - Rs.6 lakh"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"5% of the total income that is more than Rs.3 lakh"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Above Rs.6 lakh - Rs.9 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lakh"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}},{"type":"featured-offers","data":{"offers":[]}},{"type":"references","data":{"items":[{"title":"Other Home Loan Calculators","items":[{"link":"\/home-loan-eligibility.html","text":"Home Loan Eligibility Calculator"},{"link":"\/home-loan-balance-transfer.html","text":"Home Loan Balance Transfer"},{"link":"\/home-loan\/home-loan-prepayment-calculator.html","text":"Home Loan Prepayment Calculator"},{"link":"\/home-loan\/pmay-subsidy-calculator.html","text":"PMAY Home Loan Subsidy Calculator\n"}]}]}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLFAQBUTTON_153824&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLFAQBUTTON_153824","linkText":"Check Your Credit Score for Free"}}],"metaTitle":"Home Loan EMI Calculator - Calculate EMI in Easy Steps","hideUserReviews":true,"interLinks":{"asLeftNav":false,"items":[{"title":"Home Loans by 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Companies In India"},{"title":"Types Of Bank Loans In India","link":"\/home-loan\/different-types-of-bank-loans-in-india.html","text":"Types of Bank Loans In India"},{"title":"What is Home Loan Process","link":"\/home-loan-procedure.html","text":"What is Home Loan Process"},{"title":"What is Home Loan Provisional Certificate","link":"\/home-loan\/home-loan-provisional-certificate.html","text":"What is Home Loan Provisional Certificate"},{"title":"What is Benami Property","link":"\/home-loan\/benami-property-act.html","text":"What is Benami Property"},{"title":"What is Commercial Property Loan","link":"\/home-loan\/commercial-property-loan.html","text":"What is Commercial Property Loan"},{"title":"Partition Deed of Ancestral Property","link":"https:\/\/www.bankbazaar.com\/home-loan\/partition-deed-of-ancestral-property.html","text":"Partition Deed of Ancestral Property"},{"title":"Home Loan Tips","link":"\/home-loan-tips.html","text":"Home Loan Tips"},{"title":"Reasons For Home Loan 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Loan"}]},{"title":"Schemes and Acts","expand":true,"items":[{"link":"\/home-loan\/pradhan-mantri-awas-yojana.html","title":"Pradhan Mantri Awas Yojana","text":"Pradhan Mantri Awas Yojana"},{"link":"\/home-loan\/pradhan-mantri-awas-yojana-gramin.html","title":"PMAY Gramin","text":"PMAY Gramin"},{"link":"\/home-loan\/pmay-urban.html","title":"PMAY Urban","text":"PMAY Urban"},{"link":"\/home-loan\/rera-act.html","title":"RERA Act","text":"RERA Act"},{"link":"\/home-loan\/property-registration-fees-and-stamp-duty-charges.html","title":"Stamp Duty Charges","text":"Stamp Duty Charges"},{"link":"\/home-loan\/encumbrance-certificate.html","title":"Encumbrance Certificate","text":"Encumbrance Certificate"},{"link":"\/home-loan\/dda-housing-scheme.html","title":"DDA Housing Scheme","text":"DDA Housing Scheme"},{"link":"\/home-loan\/land-record.html","title":"Land Records","text":"Land Records"}]}]},"id":153824,"author":{"image":{"title":"Prerna","alt":"Prerna Surana","src":"\/images\/common\/author_prerna_female.webp"},"name":"Prerna Surana","description":[{"data":{"text":"Prerna Surana is a Finance Content Writer with over three years of experience at Bank Bazaar. She specialises in creating insightful content on Credit Cards, Debit Cards, Taxes, and other BFSI products. Beyond finance, Prerna also writes about non-financial utility products such as Aadhar Card, Voter ID, and Government Certificates. "},"type":"paragraph"}],"socialLink":"https:\/\/www.linkedin.com\/in\/prerna-surana-b44b32112\/"},"hideOfferTable":true,"breadCrumb":{"otherLinks":[{"text":"Home Loan","link":"\/home-loan.html"}],"currentPageText":"Home Loan EMI Calculator"},"faqs":{"title":"FAQs on Home Loan EMI Calculator","items":[{"question":"What does an EMI mean?","answer":[{"type":"paragraph","data":{"text":"EMI stands for the 'Equated Monthly Installment', which is the sum you will pay to us on a particular date every month till the credit is reimbursed in full. "}}]},{"question":"What is a schedule for ammortising a home loan?","answer":[{"type":"paragraph","data":{"text":"Loan amortization is the process of paying off debt throughout the loan in regular installments. An amortization schedule for a mortgage is a table that includes information on the principal, interest, and payback amount. "}}]},{"question":"When are my monthly mortgage payments due?","answer":[{"type":"paragraph","data":{"text":"Equated Monthly Instalments (EMI) are payments made every month that, throughout the chosen tenure, steadily lower the principal borrowed. You must make your monthly home loan EMI payment on a specific day established at the time of loan disbursal. "}}]},{"question":"How many times can I use BankBazaar Home Loan EMI Calculator?","answer":[{"type":"paragraph","data":{"text":"You can use BankBazaar Home Loan EMI Calculator end number of times."}}]},{"question":"Is Home Loan EMI calculator accurate?","answer":[{"type":"paragraph","data":{"text":"Yes, based on the details provided by you, the numbers shown are correct and accurate."}}]},{"question":"Is it free to use the Bankbazaar Home Loan EMI Calculator?","answer":[{"type":"paragraph","data":{"text":"Yes, you can use the Bankbazaar home loan EMI calculator for free. There is no charge levied on using it."}}]},{"question":"Should I use a home loan EMI calculator to compare different policy schemes?","answer":[{"type":"paragraph","data":{"text":"Yes, a home loan EMI calculator will help you determine the EMI payable based on different parameters provided and help you choose the best policy for yourself."}}]},{"question":"Is the EMI payment fixed?","answer":[{"type":"paragraph","data":{"text":"Absolutely, provided you take out a home loan with a fixed interest rate. Your EMIs will change over the tenor if you have a house loan with a fluctuating rate of interest. In either scenario, making a partial prepayment will lower your EMIs. "}}]},{"question":"Will my credit score get affected if I do not pay my EMI on time?","answer":[{"type":"paragraph","data":{"text":"Yes, your credit score will decrease if you do not pay your EMI on time."}}]},{"question":"Is a home loan EMI calculator accurate?","answer":[{"type":"paragraph","data":{"text":"Yes, online home loan EMI calculators give accurate results to the users, but some variations may in their results occur due to the use of approximation. "}}]},{"question":"How much is the EMI for an Rs. 30 lakh home loan? ","answer":[{"type":"paragraph","data":{"text":"Consider the loan tenure and interest rate, to determine the EMI for a Rs.30 lakh home loan. Utilize an online home loan EMI calculator to compute your EMI with different interest rates and tenures. "}}]},{"question":"What are the tax benefits of paying home loan EMI? ","answer":[{"type":"paragraph","data":{"text":"The EMI for a home loan consists of principal and interest portions. Repaying the principal portion in a fiscal year allows for tax deductions of up to Rs.1.50 lakh under Section 80C, while interest payments qualify for deductions of up to Rs.2 lakh under Section 24(b) of the IT Act. "}}]},{"question":"Is GST applicable to home loan EMI? ","answer":[{"type":"paragraph","data":{"text":" No, GST (Goods and Services Tax) is not applicable to home loan EMI, but it is applicable on several other home loan charges such as late payment charges, processing fees, and prepayment charges.   "}}]},{"question":"How does paying home loan EMI help in reducing tax obligations? ","answer":[{"type":"paragraph","data":{"text":"The Indian government incentivizes home ownership by providing tax benefits on home loans. Under Section 80C of the Income Tax Act, borrowers can claim up to Rs.1.50 lakh annually on principal repayments. Additionally, Section 24b allows deductions up to Rs.2 lakh on interest payments. "}}]},{"question":"What if the home loan EMI is not paid? ","answer":[{"type":"paragraph","data":{"text":"Failing to pay the home loan EMI results in late fees and penal interest, alongside lowering your credit score, impacting eligibility for credit cards and loans. After 90 days of non-payment, your loan is classified as a Non-Performing Asset, prompting the lender to initiate recovery proceedings as per the SARFAESI Act, 2002. "}}]},{"question":"When will my home loan EMI be due? ","answer":[{"type":"paragraph","data":{"text":"Home loan EMIs for ready-to-move-in properties begin the month after disbursement. For under-construction properties, EMIs usually start after full disbursement, with some lenders requiring pre-EMIs to cover interest until then. "}}]},{"question":"How do home loan prepayments impact your home loan EMIs? ","answer":[{"type":"paragraph","data":{"text":"Reduction in housing loan EMI or in the loan tenure depending on what the customer opts for, would be the outcome of home loan pre-payment and therefore choosing a shorter tenure would lead to lower interest than the EMI reduction option. Opting for the EMI reduction option is beneficial only if you want to reduce your housing loan EMI burden.  "}}]},{"question":"Does home loan EMI change with the increase in home loan interest rates? ","answer":[{"type":"paragraph","data":{"text":"Increased home loan interest rates affect the EMI only from the lender's reset date. Until then, the customer pays EMIs based on older rates. The customers can extend the tenure or increase EMIs with the lender's consent. EMIs may increase, if the revised tenure exceeds the maximum period and longer tenure results in higher interest costs compared to higher EMIs. "}}]}]},"h1Title":"Home Loan EMI Calculator","metaKeyword":"home loan emi calculator, housing loan EMI calculator, EMI calculator Home loan","updatedOn":"23 Nov 2024","hideEligForm":true}; var staticOfferFeaturesJson = []; var personalizedOffersJson = {}; var commodityJSON = {}; var footerJson = {"learnMore":[{"label":"Credit Cards","link":"https:\/\/blog.bankbazaar.com\/category\/credit-cards\/"},{"label":"Credit Card Offers","link":"https:\/\/blog.bankbazaar.com\/yes-bank-bankbazaar-finbooster-credit-card\/"},{"label":"Investments","link":"https:\/\/blog.bankbazaar.com\/category\/investment\/"},{"label":"Money Management","link":"https:\/\/blog.bankbazaar.com\/category\/money-management\/"}],"others":[{"label":"Car Loan","link":"\/car-loan.html"},{"label":"Income Tax","link":"\/tax.html"},{"label":"Bank IFSC Code","link":"\/ifsc-code.html"},{"label":"Gold Rate","link":"\/gold-rate-india.html"},{"label":"Indian Holidays","link":"\/indian-holiday-calendar.html"},{"label":"Visa","link":"\/visa.html"}],"exploreMore":[{"label":"Credit Cards","link":"\/credit-card.html"},{"label":"Insurance","link":"\/insurance.html"},{"label":"Saving Schemes","link":"\/saving-schemes.html"},{"label":"Aspiration Index 2023","link":"\/aspiration-index-2023.html"}],"collections":[{"label":"Credit Card","links":[{"label":"Compare Credit Cards","link":"\/credit-card.html"},{"label":"YES BANK BankBazaar FinBooster Credit Card","link":"\/credit-card\/finbooster-yes-bank-bankbazaar-co-branded-credit-card.html"},{"label":"RBL Bank BankBazaar SaveMax Credit Card","link":"\/credit-card\/rbl-bank-bankbazaar-savemax-credit-card.html"},{"label":"SBI Credit Card","link":"\/sbi-credit-card.html"},{"label":"Lifetime Free Credit Card","link":"\/credit-card\/credit-cards-without-annual-fee-charges-in-india.html"},{"label":"Top 10 Credit Cards","link":"\/credit-card\/top-10-credit-cards-in-india.html"},{"label":"Co-Branded Credit Cards","link":"\/credit-card\/best-co-branded-credit-cards-in-india.html"}]},{"label":"Credit Score","links":[{"label":"Credit Score","link":"\/credit-score.html"},{"label":"Experian","link":"\/experian.html"},{"label":"CIBIL Score","link":"\/cibil\/cibil-credit-score.html"},{"label":"CIBIL Report","link":"\/cibil\/cibil-credit-report.html"},{"label":"CIBIL Score Calculation","link":"\/cibil\/cibil-score-calculation.html"},{"label":"How to Improve Credit Score","link":"\/cibil\/how-to-improve-cibil-credit-score.html"},{"label":"How to Monitor Credit Score","link":"\/cibil\/credit-monitoring.html"}]},{"label":"Personal Loan","links":[{"label":"Compare Personal Loans","link":"\/personal-loan.html"},{"label":"SBI Personal Loan","link":"\/sbi-personal-loan.html"},{"label":"HDFC Personal Loan","link":"\/hdfc-personal-loan.html"},{"label":"Axis Personal Loan","link":"\/axis-personal-loan.html"},{"label":"Personal Loan Eligibility","link":"\/personal-loan-eligibility.html"},{"label":"Personal Loan Interest Rates","link":"\/personal-loan-interest-rate.html"},{"label":"Instant Loans","link":"\/personal-loan\/instant-loans.html"}]},{"label":"Home Loan","links":[{"label":"Compare Home Loans","link":"\/home-loan.html"},{"label":"SBI Home Loan","link":"\/sbi-home-loan.html"},{"label":"HDFC Home Loan","link":"\/hdfc-home-loan.html"},{"label":"Axis Home Loan","link":"\/axis-home-loan.html"},{"label":"Home Loan Interest Rates","link":"\/home-loan-interest-rate.html"},{"label":"Home Loan Eligibility","link":"\/home-loan-eligibility.html"},{"label":"Current Repo Rate 2023","link":"\/home-loan\/repo-rate.html"}]},{"label":"Fixed Deposit","links":[{"label":"SBI Fixed Deposit","link":"\/fixed-deposit\/sbi-fixed-deposit.html"},{"label":"HDFC Fixed Deposit","link":"\/fixed-deposit\/hdfc-fixed-deposit.html"},{"label":"Axis Fixed Deposit","link":"\/fixed-deposit\/axis-fixed-deposit.html"},{"label":"Post Office Fixed Deposit","link":"\/fixed-deposit\/post-office-fixed-deposit-rate.html"},{"label":"Senior Citizen Fixed Deposit","link":"\/fixed-deposit\/senior-citizen-fixed-deposit.html"},{"label":"5 Years FD Interest Rates","link":"\/fixed-deposit\/5years-fd-interest-rates.html"},{"label":"Monthly Income FD Schemes","link":"\/fixed-deposit\/monthly-income-scheme.html"}]},{"label":"Calculator","links":[{"label":"All Finance Calculators","link":"\/calculators.html"},{"label":"Home Loan Calculator","link":"\/home-loan\/emi-calculator.html"},{"label":"Personal Loan EMI Calculator","link":"\/personal-loan\/emi-calculator.html"},{"label":"Car Loan EMI Calculator","link":"\/car-loan\/emi-calculator.html"},{"label":"FD Calculator","link":"\/fixed-deposit\/fd-calculator.html"},{"label":"RD Calculator","link":"\/recurring-deposit\/rd-interest-calculator.html"},{"label":"EMI Calculator","link":"\/finance-tools\/emi-calculator.html"}]}]}; 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