Cashflow focused: during construction (Pre-EMI) + after possession (Full EMI).
Quick inputs
Rate / tenure are in Results (you can change there).
Co-applicant monthly income
₹0
Adds to household income for eligibility & cashflow.
Other monthly income (existing)
₹0
For eligibility we count 70% (safety). Cashflow uses full amount.
Net monthly income
₹0
Existing EMI
₹0
Existing loan EMIs left (months)
36
Cashflow will stop your existing EMI after selected months.
Current rent
₹0
We include this till possession (construction modes).
Down payment available
₹0
Property plan
Ready home
EMI starts immediately.
Builder payment split (Stage-wise)
Loan: ₹0
Move the 3 cuts to match your builder payment plan. Total always stays 100%.
Months are fixed milestones based on possession (simple and easy).
Booking / Token10%
₹0
Month 0
Structure / Slab35%
₹0
Month —
Finishing15%
₹0
Month —
Possession / Handover40%
₹0
Month —
—
Rental floors income?
No
Net monthly rent received (new home)
₹0
Rent increment (new home) per year
5%
Rent starts after possession (months)
0
Example: possession 24 months + rent-start 3 months ⇒ rent starts after 27 months from today.
Possession / completion (months)
24
During construction, usually you pay Pre-EMI (interest only) on released amount.
Results
Calculated using: 8.25% • 15 years
Loan amount
₹0
Eligibility
—
EMI: ₹0/mo
Left: ₹0
Loan tenure (years)
15y
Base interest rate (p.a.)
8.25%
Rate fluctuation (optional):
Rate change (+/−)
+0.75%
Change after (years from EMI start)
3y
We recalculate EMI for remaining tenure after the change year.
Match your requirementBasis: 8.25% • 15y
Set home price or loan amount → tier updates instantly (FOIR based).
Target home price
₹0
Required loan = Target home − Down payment.
Desired loan amount
₹0
Home price auto updates = loan + DP.
Loan amount
₹0
EMI / month (net)
₹0/mo
If new-home rent is ON, EMI becomes net after rent starts.
Tenure
—
Interest rate
—
Salary left (today)
₹0
—
—
—
Adjust (optional)
—
Co-applicant income
₹0
—
Loan tenure (years)
15y
—
Down payment
₹0
—
—
Safe / Balanced / Stretch caps
Required EMI (base): —
SafeFOIR 45%
—
BalancedFOIR 60%
—
StretchFOIR 70%
—
Cashflow projection (Year-wise)
Each thin bar = 1 year (fixed 100% salary height). Colors show: existing EMI + current rent (till possession) + home payment (Pre-EMI/EMI net) + left.
The line shows Left % trend.
