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  • Home Loan EMI Calculator With Prepayments, Taxes & Insurance1

    Transféré par

    Anil Kumar Reddy Chintha
    34 vues10 pages
    This document contains a home loan EMI calculator that allows a user to calculate monthly payments over the life of a home loan. It includes details about the home value, down payment, loan amount, interest rate, tenure, and other expenses. The summary shows the total principal paid, interest paid, prepayments made, and other expenses like taxes and insurance. It also includes an amortization schedule that breaks down the principal, interest, and other expenses on an annual basis over the 13 year loan period.

    Description originale:

    home loan calculations part 1

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    This document contains a home loan EMI calculator that allows a user to calculate monthly payments over the life of a home loan. It includes details about the home value, down payment, loan amount, interest rate, tenure, and other expenses. The summary shows the total principal paid, interest paid, prepayments made, and other expenses like taxes and insurance. It also includes an amortization schedule that breaks down the principal, interest, and other expenses on an annual basis over the 13 year loan period.

    Droits d'auteur :

    © All Rights Reserved
    Téléchargez comme PDF, TXT ou lisez en ligne sur Scribd
    Signaler comme contenu inapproprié
    34 vues10 pages

    Home Loan EMI Calculator With Prepayments, Taxes & Insurance1

    Transféré par

    Anil Kumar Reddy Chintha
    This document contains a home loan EMI calculator that allows a user to calculate monthly payments over the life of a home loan. It includes details about the home value, down payment, loan amount, interest rate, tenure, and other expenses. The summary shows the total principal paid, interest paid, prepayments made, and other expenses like taxes and insurance. It also includes an amortization schedule that breaks down the principal, interest, and other expenses on an annual basis over the 13 year loan period.

    Droits d'auteur :

    © All Rights Reserved
    Téléchargez comme PDF, TXT ou lisez en ligne sur Scribd
    Signaler comme contenu inapproprié
    sur 10

    4/13/2018 Home Loan EMI Calculator with Prepayments, Taxes & Insurance

    Home Loan Details


    Home Value (HV)

    80,00,000 ₹

    Margin OR Down Payment (DP)

    20 % ₹

    Loan Insurance (LI)

    0 ₹

    Loan Amount (HV + LI – DP)

    64,00,000 ₹

    Interest Rate

    8.5 %

    Loan Tenure

    13 Yr Mo

    Loan Fees & Charges

    0.25 % ₹

    Start Month & Year

    Jun 2017 

    Homeowner Expenses
    One-time Expenses

    10 % ₹

    Property Taxes / year

    0.25 % ₹

    Home Insurance / year

    0.05 % ₹

    Maintenance Expenses / month

    2,500 ₹

     Add Prepayments

    Principal & Interest (EMI) ₹ 67,915

    Monthly Extra Payment ₹0

    Property Taxes ₹ 1,667

    Home Insurance ₹ 333

    Maintenance Expenses ₹ 2,500

    Total Monthly Payment ₹ 72,415

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    4/13/2018 Home Loan EMI Calculator with Prepayments, Taxes & Insurance

    Total
    of all
    Payments

    Down Payment, Fees & One-time Expenses ₹ 24,16,000

    Principal ₹ 64,00,000

    Prepayments ₹0

    Interest ₹ 41,94,812

    Taxes, Home Insurance & Maintenance ₹ 7,02,000

    Total of all Payments ₹ 1,37,12,812

    Home Loan Payment Schedule


    (Jun 2017 - May 2030)

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    4/13/2018 Home Loan EMI Calculator with Prepayments, Taxes & Insurance

    ₹ 1,00,00,000 ₹ 10,00,000

    ₹ 80,00,000 ₹ 8,00,000

    Home Loan Payment / year


    ₹ 60,00,000 ₹ 6,00,000
    Balance

    ₹ 40,00,000 ₹ 4,00,000

    ₹ 20,00,000 ₹ 2,00,000

    ₹0 ₹0
    17

    19

    21

    23

    27

    29
    2
    20

    20

    20

    20

    20

    20

    20
    Principal Prepayments Interest Taxes, Home Insurance & Maintenance Balance

    Principal Interest
    Year Taxes, Home Insurance & Maintenance (C)
    (A) (B)

     2017 ₹ 1,61,474 ₹ 3,13,934 ₹ 31,500

     2018 ₹ 2,96,069 ₹ 5,18,917 ₹ 54,000

     2019 ₹ 3,22,239 ₹ 4,92,747 ₹ 54,000

     2020 ₹ 3,50,722 ₹ 4,64,264 ₹ 54,000

     2021 ₹ 3,81,722 ₹ 4,33,263 ₹ 54,000

     2022 ₹ 4,15,463 ₹ 3,99,523 ₹ 54,000

     2023 ₹ 4,52,186 ₹ 3,62,799 ₹ 54,000

     2024 ₹ 4,92,155 ₹ 3,22,830 ₹ 54,000

     2025 ₹ 5,35,657 ₹ 2,79,328 ₹ 54,000

     2026 ₹ 5,83,005 ₹ 2,31,981 ₹ 54,000

     2027 ₹ 6,34,537 ₹ 1,80,449 ₹ 54,000

     2028 ₹ 6,90,624 ₹ 1,24,361 ₹ 54,000

     2029 ₹ 7,51,669 ₹ 63,317 ₹ 54,000

     2030 ₹ 3,32,479 ₹ 7,098 ₹ 22,500

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    4/13/2018 Home Loan EMI Calculator with Prepayments, Taxes & Insurance

    1 Apply Home Loan @ 9.30%


    Compare 5+ Home Loan providers in India. Quick & Paperless process. myuniverse.co.in/Home-Loan

    2 Personal loan Emi


    Instant Online o ers from 17 Banks wish n.com

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    4/13/2018 Home Loan EMI Calculator with Prepayments, Taxes & Insurance

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    4/13/2018 Home Loan EMI Calculator with Prepayments, Taxes & Insurance

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    4/13/2018 Home Loan EMI Calculator with Prepayments, Taxes & Insurance

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    4/13/2018 Home Loan EMI Calculator with Prepayments, Taxes & Insurance

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