Dream Home Calculator
The SIP for a home's down payment, the price when you buy, and the loan and EMI for the rest
Monthly SIP for the down payment
₹15,840
- Price when you buy
- ₹1,02,10,253
- Down payment (20%)
- ₹20,42,051
- Or a lump sum today
- ₹7,67,953
- Loan, EMI over 20 years
- ₹81,68,202 · ₹70,886 a month
Stamp duty, registration and interiors are not included.
How it adds up
- Price today
- ₹80,00,000
- Price in 5 years at 5.0%
- ₹1,02,10,253
- Down payment then
- ₹20,42,051
- Savings, grown
- ₹8,05,255
- Shortfall
- ₹12,36,796
- Loan
- ₹81,68,202
- Interest over the loan
- ₹88,44,331
- Monthly SIP needed
- ₹15,840
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Will a lender go to ₹81,68,202? The home loan eligibility calculator works out what your income supports.
How this is calculated
Formula
down payment = price × (1 + growth)^years × share; SIP fills what savings will not
With your numbers
- 1Price thenprice × (1 + growth)^years₹80,00,000 × (1 + 5.0%)^5 = ₹1,02,10,253
- 2Down paymentprice then × share₹1,02,10,253 × 20% = ₹20,42,051
- 3Savings, grown₹5,00,000 × (1 + 10.0%)^5 = ₹8,05,255
- 4SIP₹12,36,796 over 60 months → ₹15,840 a month
- 5EMI₹81,68,202 at 8.50% over 20 years = ₹70,886
- The SIP is paid at the start of each month, as in the SIP calculator.
Frequently Asked Questions
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