Home loans
Work out what you can afford, then let us help you with the rest: what you qualify for, the papers banks ask for, and which banks will lend on your property.
Home loan calculator
Your EMI
₹26,035 a month
- Loan
- ₹30 lakh
- Total interest
- ₹32.48 lakh
- Total you repay
- ₹62.48 lakh
- Interest as a share of what you repay
- 52%
Year by year
| Year | Principal paid | Interest paid | Still owed |
|---|---|---|---|
| 1 | ₹59,707 | ₹2,52,709 | ₹29,40,293 |
| 2 | ₹64,984 | ₹2,47,432 | ₹28,75,309 |
| 3 | ₹70,728 | ₹2,41,688 | ₹28,04,580 |
| 4 | ₹76,980 | ₹2,35,436 | ₹27,27,600 |
| 5 | ₹83,785 | ₹2,28,632 | ₹26,43,815 |
| 6 | ₹91,190 | ₹2,21,226 | ₹25,52,625 |
| 7 | ₹99,251 | ₹2,13,166 | ₹24,53,374 |
| 8 | ₹1,08,024 | ₹2,04,393 | ₹23,45,351 |
| 9 | ₹1,17,572 | ₹1,94,844 | ₹22,27,779 |
| 10 | ₹1,27,964 | ₹1,84,452 | ₹20,99,815 |
| 11 | ₹1,39,275 | ₹1,73,141 | ₹19,60,540 |
| 12 | ₹1,51,586 | ₹1,60,831 | ₹18,08,954 |
| 13 | ₹1,64,985 | ₹1,47,432 | ₹16,43,969 |
| 14 | ₹1,79,568 | ₹1,32,849 | ₹14,64,402 |
| 15 | ₹1,95,440 | ₹1,16,977 | ₹12,68,962 |
| 16 | ₹2,12,715 | ₹99,701 | ₹10,56,247 |
| 17 | ₹2,31,517 | ₹80,899 | ₹8,24,730 |
| 18 | ₹2,51,981 | ₹60,435 | ₹5,72,749 |
| 19 | ₹2,74,254 | ₹38,163 | ₹2,98,495 |
| 20 | ₹2,98,495 | ₹13,921 | ₹0 |
An estimate only. Use the rate your bank offers you; the real EMI, limit and fees are in the bank's Key Facts Statement.
How we can help
- Before you choose a property: a rough idea of what you can borrow, so you look in the right price range.
- Papers: a checklist for your income and the property, and what each paper is for.
- The property: whether banks are likely to lend on it, before you pay a large advance.
- Builder projects: which banks have approved the project.
We're setting up tie-ups with banks and housing finance companies. Until then, our team helps you prepare and points you to lenders; you deal with the bank yourself, and you choose.
Clayyard never asks for a fee to “get your loan approved”. Only the bank decides, and it charges its fees through its own Key Facts Statement. If anyone asks you for money to arrange approval, don't pay, and tell us.
Stamp duty, rent or buy and land units: all our tools are on the Calculators page, with a short note on how to use each one.