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BUYING A FLAT FOR CONSUMPTION PURPOSEDISCLAIMER
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Cost of house
(Inclusive of stamp duty and registration fee)
₹1,00,00,000This is an EDUCATIONAL model. Numbers vary city-by-city, project-by-project, lender-by-lender.
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Downpayment (Rs) ₹20,00,000Always verify: interest rates from your bank, stamp duty, registartion cost, cess & surcharge from your state's portal and construction quotes from local contractors.
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Loan Amount (Rs) ₹80,00,000This is NOT financial advice.
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Loan Interest Rate (in %) 7.850%
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Loan Tenure (in years) 20
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House Appreciation (%) 4.50%
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EMI ₹66,170
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Total repayment to bank ₹1,58,80,876
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Downpayment (20 L) + Loan repayment ₹1,78,80,876
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ASSOCIATED EXPENSES AMOUNT PER YEAR INCREMENT (%) TOTAL ASSOCIATED EXPENSES
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Annual Property Tax (%)₹50,0005%₹16,53,298
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Annual Society Maintenance (%)₹50,0005%₹16,53,298
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House Maintenance ₹10,0005%₹3,30,660
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Interior & Furnishing ₹850,000(One time cost) ₹8,50,000
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Total Expenses ₹44,87,255
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CUMULATIVE GAIN
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Total cost of the house ₹2,23,68,131
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Value of the house after 20 years₹2,41,17,140
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CUMULATIVE GAIN ₹17,49,010
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GAIN % 8%
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YEARMONTH EMI PRINCIPAL AMT. INTEREST AMT. LOAN BALANCE AMT. PRINCIPAL INTEREST
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11₹66,170₹13,837₹52,333₹79,86,16320.91%79.09%
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2₹66,170₹13,927₹52,243₹79,72,23621.05%78.95%
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3₹66,170₹14,019₹52,152₹79,58,21721.19%78.81%
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4₹66,170₹14,110₹52,060₹79,44,10721.32%78.68%
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5₹66,170₹14,203₹51,968₹79,29,90421.46%78.54%
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6₹66,170₹14,296₹51,875₹79,15,60821.60%78.40%
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7₹66,170₹14,389₹51,781₹79,01,21921.75%78.25%
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8₹66,170₹14,483₹51,687₹78,86,73621.89%78.11%
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9₹66,170₹14,578₹51,592₹78,72,15822.03%77.97%
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10₹66,170₹14,673₹51,497₹78,57,48522.18%77.82%
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11₹66,170₹14,769₹51,401₹78,42,71622.32%77.68%
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12₹66,170₹14,866₹51,304₹78,27,85022.47%77.53%
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213₹66,170₹14,963₹51,207₹78,12,88722.61%77.39%
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14₹66,170₹15,061₹51,109₹77,97,82622.76%77.24%
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15₹66,170₹15,160₹51,011₹77,82,66622.91%77.09%
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16₹66,170₹15,259₹50,912₹77,67,40723.06%76.94%
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17₹66,170₹15,359₹50,812₹77,52,04923.21%76.79%
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18₹66,170₹15,459₹50,711₹77,36,59023.36%76.64%
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19₹66,170₹15,560₹50,610₹77,21,03023.52%76.48%
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20₹66,170₹15,662₹50,508₹77,05,36823.67%76.33%
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21₹66,170₹15,764₹50,406₹76,89,60423.82%76.18%
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22₹66,170₹15,867₹50,303₹76,73,73623.98%76.02%
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23₹66,170₹15,971₹50,199₹76,57,76524.14%75.86%
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24₹66,170₹16,076₹50,095₹76,41,68924.29%75.71%
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325₹66,170₹16,181₹49,989₹76,25,50824.45%75.55%
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26₹66,170₹16,287₹49,884₹76,09,22124.61%75.39%
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27₹66,170₹16,393₹49,777₹75,92,82824.77%75.23%
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28₹66,170₹16,501₹49,670₹75,76,32724.94%75.06%
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29₹66,170₹16,609₹49,562₹75,59,71925.10%74.90%
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30₹66,170₹16,717₹49,453₹75,43,00225.26%74.74%
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31₹66,170₹16,827₹49,344₹75,26,17525.43%74.57%
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32₹66,170₹16,937₹49,234₹75,09,23925.60%74.40%
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33₹66,170₹17,047₹49,123₹74,92,19125.76%74.24%
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34₹66,170₹17,159₹49,011₹74,75,03225.93%74.07%
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35₹66,170₹17,271₹48,899₹74,57,76126.10%73.90%
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36₹66,170₹17,384₹48,786₹74,40,37726.27%73.73%
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437₹66,170₹17,498₹48,672₹74,22,87926.44%73.56%
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38₹66,170₹17,612₹48,558₹74,05,26726.62%73.38%
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39₹66,170₹17,728₹48,443₹73,87,53926.79%73.21%
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40₹66,170₹17,843₹48,327₹73,69,69626.97%73.03%
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41₹66,170₹17,960₹48,210₹73,51,73627.14%72.86%
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42₹66,170₹18,078₹48,093₹73,33,65827.32%72.68%
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43₹66,170₹18,196₹47,974₹73,15,46227.50%72.50%
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44₹66,170₹18,315₹47,855₹72,97,14727.68%72.32%
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45₹66,170₹18,435₹47,736₹72,78,71227.86%72.14%
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46₹66,170₹18,555₹47,615₹72,60,15728.04%71.96%
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47₹66,170₹18,677₹47,494₹72,41,48028.23%71.77%
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48₹66,170₹18,799₹47,371₹72,22,68128.41%71.59%
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549₹66,170₹18,922₹47,248₹72,03,75928.60%71.40%
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50₹66,170₹19,046₹47,125₹71,84,71328.78%71.22%
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51₹66,170₹19,170₹47,000₹71,65,54328.97%71.03%
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52₹66,170₹19,296₹46,875₹71,46,24729.16%70.84%
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53₹66,170₹19,422₹46,748₹71,26,82529.35%70.65%
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54₹66,170₹19,549₹46,621₹71,07,27629.54%70.46%
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55₹66,170₹19,677₹46,493₹70,87,60029.74%70.26%
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56₹66,170₹19,806₹46,365₹70,67,79429.93%70.07%
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57₹66,170₹19,935₹46,235₹70,47,85930.13%69.87%
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58₹66,170₹20,066₹46,105₹70,27,79330.32%69.68%
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59₹66,170₹20,197₹45,973₹70,07,59630.52%69.48%
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60₹66,170₹20,329₹45,841₹69,87,26730.72%69.28%
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661₹66,170₹20,462₹45,708₹69,66,80530.92%69.08%
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62₹66,170₹20,596₹45,575₹69,46,21031.13%68.87%
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63₹66,170₹20,731₹45,440₹69,25,47931.33%68.67%
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64₹66,170₹20,866₹45,304₹69,04,61331.53%68.47%
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65₹66,170₹21,003₹45,168₹68,83,61031.74%68.26%
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66₹66,170₹21,140₹45,030₹68,62,47031.95%68.05%
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67₹66,170₹21,278₹44,892₹68,41,19232.16%67.84%
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68₹66,170₹21,418₹44,753₹68,19,77432.37%67.63%
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69₹66,170₹21,558₹44,613₹67,98,21732.58%67.42%
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70₹66,170₹21,699₹44,472₹67,76,51832.79%67.21%
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71₹66,170₹21,841₹44,330₹67,54,67833.01%66.99%
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72₹66,170₹21,983₹44,187₹67,32,69433.22%66.78%
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773₹66,170₹22,127₹44,043₹67,10,56733.44%66.56%