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This estimate holds your chosen interest rate constant. Bank fees, insurance, taxes, and future rate changes are excluded. Your bank’s offer may differ.
Loan amountRs. 1.05 Cr
PrincipalRs. 1.05 Cr
Total interestRs. 1.22 Cr
Total repaymentRs. 2.27 Cr
DIRECT FROM THE BANKS
Published home-loan rates
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Year-by-year repayment breakdown
| Year | Principal paid | Interest paid | Balance |
|---|---|---|---|
| 1 | Rs. 1 Lakh 96,635 | Rs. 9 Lakh 37,020 | Rs. 1 Crore 3 Lakh 3,365 |
| 2 | Rs. 2 Lakh 15,080 | Rs. 9 Lakh 18,574 | Rs. 1 Crore 88,285 |
| 3 | Rs. 2 Lakh 35,256 | Rs. 8 Lakh 98,398 | Rs. 98 Lakh 53,029 |
| 4 | Rs. 2 Lakh 57,325 | Rs. 8 Lakh 76,330 | Rs. 95 Lakh 95,704 |
| 5 | Rs. 2 Lakh 81,464 | Rs. 8 Lakh 52,191 | Rs. 93 Lakh 14,240 |
| 6 | Rs. 3 Lakh 7,867 | Rs. 8 Lakh 25,788 | Rs. 90 Lakh 6,373 |
| 7 | Rs. 3 Lakh 36,747 | Rs. 7 Lakh 96,908 | Rs. 86 Lakh 69,626 |
| 8 | Rs. 3 Lakh 68,336 | Rs. 7 Lakh 65,318 | Rs. 83 Lakh 1,290 |
| 9 | Rs. 4 Lakh 2,889 | Rs. 7 Lakh 30,766 | Rs. 78 Lakh 98,401 |
| 10 | Rs. 4 Lakh 40,683 | Rs. 6 Lakh 92,972 | Rs. 74 Lakh 57,718 |
| 11 | Rs. 4 Lakh 82,022 | Rs. 6 Lakh 51,633 | Rs. 69 Lakh 75,697 |
| 12 | Rs. 5 Lakh 27,239 | Rs. 6 Lakh 6,416 | Rs. 64 Lakh 48,458 |
| 13 | Rs. 5 Lakh 76,697 | Rs. 5 Lakh 56,958 | Rs. 58 Lakh 71,761 |
| 14 | Rs. 6 Lakh 30,795 | Rs. 5 Lakh 2,859 | Rs. 52 Lakh 40,966 |
| 15 | Rs. 6 Lakh 89,968 | Rs. 4 Lakh 43,686 | Rs. 45 Lakh 50,998 |
| 16 | Rs. 7 Lakh 54,692 | Rs. 3 Lakh 78,963 | Rs. 37 Lakh 96,306 |
| 17 | Rs. 8 Lakh 25,487 | Rs. 3 Lakh 8,167 | Rs. 29 Lakh 70,818 |
| 18 | Rs. 9 Lakh 2,924 | Rs. 2 Lakh 30,731 | Rs. 20 Lakh 67,894 |
| 19 | Rs. 9 Lakh 87,624 | Rs. 1 Lakh 46,030 | Rs. 10 Lakh 80,270 |
| 20 | Rs. 10 Lakh 80,270 | Rs. 53,384 | Rs. 0 |