Configure Inputs

Property Details

₹50.00 Lakh
₹
₹5.00 Lakh₹10.00 Cr
*Bank Funding Limit (LTV): 80% of property value

Income Details

₹75,000
₹
₹5,000₹10.00 Lakh
₹0
₹
₹0₹10.00 Lakh
₹0
₹
₹0₹5.00 Lakh
8%
%
030
20
130
Max Funding
₹40,00,000
Based on Min(Income, LTV)
Downpayment
₹10,00,000
Total Cash Needed

RM Deal Insight

Funding Limit (LTV)
₹40,00,000 @80%
Repayment Capacity
₹44,83,286

Deal Status: High Surplus. The client's income allows for a higher loan, but the physical property value limits the funding. Suggest a more expensive property!

Eligibility Breakdown

Loan %80%
Authorized Loan
₹40,00,000
Upfront Cash
₹10,00,000
EMI Breakdown
₹37,500 / month

Analysis & Results

Repayment Schedule for Max Eligible Loan

Year
Principal
(A)
Interest
(B)
Expenses
(C)
Total Payment
(A + B + C)
Balance
Paid %
26
₹69,983
₹2,64,593
₹0
₹3,34,576
₹39,30,017
2%
27
₹90,355
₹3,11,136
₹0
₹4,01,491
₹38,39,661
4%
28
₹97,855
₹3,03,637
₹0
₹4,01,491
₹37,41,807
6%
29
₹1,05,977
₹2,95,515
₹0
₹4,01,491
₹36,35,830
9%
30
₹1,14,773
₹2,86,719
₹0
₹4,01,491
₹35,21,058
12%
31
₹1,24,299
₹2,77,193
₹0
₹4,01,491
₹33,96,759
15%
32
₹1,34,615
₹2,66,876
₹0
₹4,01,491
₹32,62,144
18%
33
₹1,45,788
₹2,55,703
₹0
₹4,01,491
₹31,16,355
22%
34
₹1,57,889
₹2,43,603
₹0
₹4,01,491
₹29,58,467
26%
35
₹1,70,993
₹2,30,498
₹0
₹4,01,491
₹27,87,473
30%
36
₹1,85,186
₹2,16,305
₹0
₹4,01,491
₹26,02,287
35%
37
₹2,00,556
₹2,00,935
₹0
₹4,01,491
₹24,01,731
40%
38
₹2,17,202
₹1,84,289
₹0
₹4,01,491
₹21,84,529
45%
39
₹2,35,230
₹1,66,261
₹0
₹4,01,491
₹19,49,299
51%
40
₹2,54,754
₹1,46,737
₹0
₹4,01,491
₹16,94,546
58%
41
₹2,75,898
₹1,25,593
₹0
₹4,01,491
₹14,18,647
65%
42
₹2,98,798
₹1,02,694
₹0
₹4,01,491
₹11,19,850
72%
43
₹3,23,598
₹77,894
₹0
₹4,01,491
₹7,96,252
80%
44
₹3,50,456
₹51,035
₹0
₹4,01,491
₹4,45,796
89%
45
₹3,79,544
₹21,947
₹0
₹4,01,491
₹66,252
98%
46
₹66,252
₹663
₹0
₹66,915
₹0
100%
TIP Click on [+] to view monthly breakdown. Principal (A) includes monthly EMIs and any prepayments made.
* Values rounded