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Home Loan Calculators

EMI Calculator & Eligibility Calculator — EMI, interest outflow, total payment, and loan eligibility based on income. (English + Telugu mix)

Home Loan EMI Calculator — EMI, Interest Outflow & Total Payment

Monthly EMI
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Total Payment (Principal + Interest)
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Total Interest Outflow
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Home Loan Eligibility Calculator — Income batti loan estimate

Maximum EMI Available (₹)
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Estimated Eligible Loan Amount (₹)
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How to use — English + Telugu mix

  1. EMI Calculator: Loan Amount, Interest Rate and Tenure ఇవ్వండి→ Click Calculate EMI. మీరు monthly EMI, total payment మరియు total interest చూడగలరు.
  2. Eligibility Calculator: Provide gross monthly income and existing EMIs. Set lender's max EMI % (default 50%). Click Calculate Eligibility to see maximum EMI lender will accept and estimated eligible loan amount for chosen tenure & rate.
  3. Notes: Eligibility rules differ by bank; this is an approximation. Banks consider net income, age, job stability, CIBIL, liabilities and other factors.
  4. WhatsApp Share line:
    “EMI Estimator: Loan ₹X, Rate Y% p.a., Tenure Z yrs → EMI ₹A, Total pay ₹B, Interest ₹C. Eligibility: Based on ₹income and existing EMIs → estimated loan ₹L.”
Tip (Telugu): మీ real affordability తెలుసుకోవడానికి Net income మరియు ఎదుటవైపు ఉన్న liabilities (EMIs) ను ఖచ్చితంగా ఇచ్చి calculate చేయండి. ఇది ఒక estimate మాత్రమే — final sanction bank policy ఆధారంగా ఉంటుంది.

Quick Formulae / Explanation

EMI formula:
EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where r = monthly rate (annualRate/12/100), n = number of months.

Eligibility (simple):
MaxEMI = (GrossMonthlyIncome × (eligibilityRatio%)) − ExistingEMIs. Then invert EMI formula to get loan amount for given rate & tenure.

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