Loan Details
Residential
Commercial
Industrial
Land/Plot
Calculation Results
Maximum Eligible Loan
56.25 Lakhs
Monthly EMI
39,567
Total Interest Payable
49.96 Lakhs
Total Payment
94.96 Lakhs
Loan to Value Ratio
60%
Annual Percentage Rate
9.15%
Payment Breakdown
Principal Amount:
45 Lakhs
Total Interest:
49.96 Lakhs
Processing Fees (1.5%):
67,500
Legal & Valuation Charges:
25,000
Total Cost of Loan:
95.68 Lakhs
Key Insights
- Your EMI is affordable at 40% of estimated rental income
- Loan to Value ratio is within standard 60-75% range
- Consider reducing tenure to save 15-20 Lakhs in interest
- Property type affects interest rate by 0.25-0.5%
Note: Calculations are estimates. Actual terms depend on lender policies, credit score, and property documentation.
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