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
₹84,547
₹3,16,945
₹0
₹4,01,491
₹39,15,453
2%
27
₹91,564
₹3,09,927
₹0
₹4,01,491
₹38,23,889
4%
28
₹99,164
₹3,02,327
₹0
₹4,01,491
₹37,24,726
7%
29
₹1,07,394
₹2,94,097
₹0
₹4,01,491
₹36,17,331
10%
30
₹1,16,308
₹2,85,183
₹0
₹4,01,491
₹35,01,023
12%
31
₹1,25,961
₹2,75,530
₹0
₹4,01,491
₹33,75,062
16%
32
₹1,36,416
₹2,65,075
₹0
₹4,01,491
₹32,38,646
19%
33
₹1,47,739
₹2,53,753
₹0
₹4,01,491
₹30,90,907
23%
34
₹1,60,001
₹2,41,490
₹0
₹4,01,491
₹29,30,906
27%
35
₹1,73,281
₹2,28,210
₹0
₹4,01,491
₹27,57,625
31%
36
₹1,87,663
₹2,13,828
₹0
₹4,01,491
₹25,69,962
36%
37
₹2,03,239
₹1,98,252
₹0
₹4,01,491
₹23,66,723
41%
38
₹2,20,108
₹1,81,383
₹0
₹4,01,491
₹21,46,615
46%
39
₹2,38,377
₹1,63,115
₹0
₹4,01,491
₹19,08,238
52%
40
₹2,58,162
₹1,43,329
₹0
₹4,01,491
₹16,50,077
59%
41
₹2,79,589
₹1,21,902
₹0
₹4,01,491
₹13,70,487
66%
42
₹3,02,795
₹98,696
₹0
₹4,01,491
₹10,67,693
73%
43
₹3,27,927
₹73,565
₹0
₹4,01,491
₹7,39,766
82%
44
₹3,55,144
₹46,347
₹0
₹4,01,491
₹3,84,621
90%
45
₹3,84,621
₹16,870
₹0
₹4,01,491
₹0
100%
TIP Click on [+] to view monthly breakdown. Principal (A) includes monthly EMIs and any prepayments made.
* Values rounded