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Works backwards from your income and savings to the sticker price you can realistically look at, after allowing for stamp duty and registration.
Move a slider or type a number. Everything updates instantly, and the link above carries your values so you can share or save them.
One lakh twenty thousand
Add a co-applicant's income here too if they will be on the loan.
Fifteen lakh
Everything you can contribute, before stamp duty.
About 8% in Uttar Pradesh: 7% stamp duty plus 1% registration for a male buyer.
Look at properties around
₹77,90,602
Seventy seven lakh ninety thousand six hundred two rupees
Your maximum EMI
₹60,000
per month, at 50% FOIR after existing EMIs
Loan plus savings
Paid from your pocket, cannot be funded by the loan
Beyond stamp duty there is brokerage, the society transfer charge, basic furnishing and a shifting cost. Buyers routinely forget these and end up borrowing again at a much worse rate. Keep three to six months of EMI aside as a buffer before you commit to the top of your range.
Max property price = eligible loan + down payment, less statutory purchase costs.
Nothing is hidden. The same formula runs in a shared, unit-tested library used by every calculator on this site.
These numbers are indicative. Your actual offer depends on the lender.
This calculator assumes the rate stays the same for the whole tenure. Most loans in India are floating rate, so your EMI can move when the RBI changes rates. Tell us your real situation and we will give you a figure you can plan around.
Questions
What people ask us most about this calculation.
We will tell you which lenders are likely to say yes to your file, and at roughly what rate, before you apply anywhere.
Lines are open Monday to Saturday. If we miss you, we call back the same day.