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GST

Housing finance

Home Loan Calculator

EMI, interest outgo and a rough eligibility check against your monthly income.

Formula

Same EMI formula. FOIR = EMI / monthly take-home. Lenders typically cap this at 40–50%.

About this calculator

Home-loan interest on a self-occupied house can be deducted up to ₹2 lakh under 24(b) in the old regime. Stamp duty and registration are extra — budget 5–8% of property value in most states.