NTH Assessment for Home Loans

Particulars Annual
Gross Total Income (GTI) 3,000,000.00
Less: Tax -
Net Income 3,000,000.00
Less: Expenses of the borrower 45%
Balance Amount
Less: Existing EMIs (Monthly)
Amount Available for Service the Loan EMI
Loan Amount Eligibility

Loan Amt 100,000.00

Int Rate P.A. 8.50%
No of EMI 336.00
EMI per Lac Rs. 781.25
oans

Monthly
250,000.00
-
250,000.00
112,500.00
137,500.00
-
137,500.00
17,600,058.81 >> E11/D17*100000
 Calculation of EMI for Rs. 1.00 Lac

Years / Rates 7.90% 7.95% 8.00% 8.05% 8.10% 8.15% 8.20% 8.25% 8.30% 8.35% 8.40% 8.45% 8.50% 8.55% 8.60% 8.65% 8.70% 8.75% 8.80% 8.85% 8.90% 8.95%
1 8,694 8,697 8,699 8,701 8,703 8,706 8,708 8,710 8,713 8,715 8,717 8,720 8,722 8,724 8,727 8,729 8,731 8,734 8,736 8,738 8,741 8,743
2 4,518 4,520 4,523 4,525 4,527 4,530 4,532 4,534 4,536 4,539 4,541 4,543 4,546 4,548 4,550 4,552 4,555 4,557 4,559 4,562 4,564 4,566
3 3,129 3,131 3,134 3,136 3,138 3,141 3,143 3,145 3,147 3,150 3,152 3,154 3,157 3,159 3,161 3,164 3,166 3,168 3,171 3,173 3,175 3,178
4 2,437 2,439 2,441 2,444 2,446 2,448 2,451 2,453 2,455 2,458 2,460 2,462 2,465 2,467 2,470 2,472 2,474 2,477 2,479 2,481 2,484 2,486
5 2,023 2,025 2,028 2,030 2,032 2,035 2,037 2,040 2,042 2,044 2,047 2,049 2,052 2,054 2,056 2,059 2,061 2,064 2,066 2,069 2,071 2,073
6 1,748 1,751 1,753 1,756 1,758 1,761 1,763 1,766 1,768 1,770 1,773 1,775 1,778 1,780 1,783 1,785 1,788 1,790 1,793 1,795 1,798 1,800
7 1,554 1,556 1,559 1,561 1,564 1,566 1,569 1,571 1,574 1,576 1,579 1,581 1,584 1,586 1,589 1,591 1,594 1,596 1,599 1,601 1,604 1,606
8 1,409 1,411 1,414 1,416 1,419 1,421 1,424 1,426 1,429 1,432 1,434 1,437 1,439 1,442 1,444 1,447 1,450 1,452 1,455 1,457 1,460 1,462
9 1,297 1,299 1,302 1,304 1,307 1,310 1,312 1,315 1,317 1,320 1,323 1,325 1,328 1,331 1,333 1,336 1,338 1,341 1,344 1,346 1,349 1,352
10 1,208 1,211 1,213 1,216 1,219 1,221 1,224 1,227 1,229 1,232 1,235 1,237 1,240 1,243 1,245 1,248 1,251 1,253 1,256 1,259 1,261 1,264
11 1,136 1,139 1,142 1,144 1,147 1,150 1,152 1,155 1,158 1,160 1,163 1,166 1,169 1,171 1,174 1,177 1,180 1,182 1,185 1,188 1,191 1,193
12 1,077 1,080 1,082 1,085 1,088 1,091 1,093 1,096 1,099 1,102 1,105 1,107 1,110 1,113 1,116 1,118 1,121 1,124 1,127 1,130 1,132 1,135
13 1,028 1,030 1,033 1,036 1,039 1,041 1,044 1,047 1,050 1,053 1,056 1,058 1,061 1,064 1,067 1,070 1,073 1,075 1,078 1,081 1,084 1,087
14 986 988 991 994 997 1,000 1,003 1,006 1,008 1,011 1,014 1,017 1,020 1,023 1,026 1,029 1,031 1,034 1,037 1,040 1,043 1,046
15 950 953 956 959 961 964 967 970 973 976 979 982 985 988 991 994 996 999 1,002 1,005 1,008 1,011
16 919 922 925 928 931 934 937 940 943 946 949 952 954 957 960 963 966 969 972 975 978 981
17 892 895 898 901 904 907 910 913 916 919 922 925 928 931 934 937 940 943 947 950 953 956
18 869 872 875 878 881 884 887 890 893 896 899 902 905 909 912 915 918 921 924 927 930 933
19 848 851 855 858 861 864 867 870 873 876 879 882 885 889 892 895 898 901 904 907 911 914
20 830 833 836 840 843 846 849 852 855 858 862 865 868 871 874 877 881 884 887 890 893 897
21 814 817 820 824 827 830 833 836 839 843 846 849 852 855 859 862 865 868 872 875 878 881
22 800 803 806 809 813 816 819 822 825 829 832 835 838 842 845 848 851 855 858 861 865 868
23 787 790 793 797 800 803 806 810 813 816 820 823 826 829 833 836 839 843 846 849 853 856
24 776 779 782 785 789 792 795 798 802 805 808 812 815 818 822 825 828 832 835 839 842 845
25 765 769 772 775 778 782 785 788 792 795 798 802 805 809 812 815 819 822 826 829 832 836
26 756 759 763 766 769 773 776 779 783 786 790 793 796 800 803 807 810 813 817 820 824 827
27 748 751 754 758 761 764 768 771 775 778 782 785 788 792 795 799 802 806 809 813 816 820
28 740 743 747 750 754 757 760 764 767 771 774 778 781 785 788 792 795 799 802 806 809 813
29 733 736 740 743 747 750 754 757 761 764 768 771 775 778 782 785 789 792 796 799 803 807
30 727 730 734 737 741 744 748 751 755 758 762 765 769 772 776 780 783 787 790 794 797 801