Home Loans can be a convenient way of funding a home purchase. They come with a long tenor, which makes repayment easy. Home Loans are repaid in the form of EMIs, which constitute an interest component and a principal component. With time, the interest component of the housing loan decreases, and the principal component goes up. Those planning to apply for a Home Loan can use a Home Loan EMI Calculator to plan their repayment journey.
A Home Loan EMI Calculator is a handy online tool that allows borrowers to work out their Home Loan EMIs for the loan amount they wish to borrow. The calculator is freely available on the internet and is quite easy to use too. All one must do to use this calculator is enter three details: the desired loan value, the desired loan tenor, and the rate of interest that their preferred lender is offering them. Once the user enters these values, the Home Loan EMI Calculator displays the borrower’s tentative EMIs as well as their total interest outgo for their desired combination of loan value, tenor, and rate of interest.
Let us now look at the reasons why using a Home Loan EMI Calculator would be a good idea before you avail of a Home Loan.
Reasons to Calculate Your Home Loan EMI
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Helps You Decide the Home Loan Amount You Can Avail Of
Using the Home Loan EMI Calculator, a prospective borrower can try out various combinations of the loan value, tenor, and rate of interest to finally reach an EMI value that one can easily repay.
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Helps You Understand How Repayments Will Help You Save Funds
Home Loan EMI Calculators also help borrowers understand what the right time would be to make prepayments to avail of maximum benefit. Using a Home Loan EMI Calculator, borrowers can understand the impact of a loan prepayment on one’s EMIs as well as the total interest outgo.
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Helps Borrowers Compare Loan Offers from Different Lenders
Those availing of a housing loan should talk to various lenders to understand their loan offer. Doing this will help you negotiate with different lenders for better Home Loan interest rates. Once you have spoken with the lenders and received offers from them, use a Home Loan EMI Calculator to compare different offers and figure out which one will be the best for them.
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The Home Loan EMI Calculator is Quick and Accurate
Home Loan EMIs can be calculated manually using the following formula:
EMI = P x R x (1+R)^N / [(1+R)^N-1]
Here,
P refers to the principal amount
N stands for loan tenor, expressed in months
R refers to the monthly rate of interest
Calculating EMIs manually can lead to errors. The Home Loan EMI Calculator is quick and accurate. It is also free to use, allowing borrowers to try out multiple combinations to arrive at the most suitable loan terms.
Also Read: Home Loan EMI Calculator Benefits and Its Features
Now that we are familiar with the benefits of a Home Loan EMI Calculator, let us look at some tips that will help you avail of a loan at low interest rates.
Tips on How to Avail of a Low Home Loan Interest Rate
The interest rate is very important when it comes to housing loans. Therefore, borrowers are advised to negotiate with their lenders and try their best to avail of a loan at the lowest interest rate possible. Here are a few tips to help you avail of a low Home Loan interest rate:
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To start with, if you want a low Home Loan interest rate, maintain a good CIBIL score. Lenders check a borrower’s housing loan eligibility on various parameters, one of which is the credit score. The credit score indicates a borrower’s ability to repay their loan on time. A high credit score, therefore, leads to a low Home Loan interest rate.
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The final interest rate you get on your loan will also depend on the property you are planning to pledge as a collateral. Home Loans are secured loans and a high-quality property reduces the risk involved for the lender in lending funds. Therefore, when borrowers pledge a property located in a prime location having all modern amenities, they may get offered a low interest rate.
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The longer the tenor of the loan, the higher the risk involved for the lender. Therefore, lenders offer lower Home Loan interest rates in the case of short-tenor loans than in the case of long-tenor loans.
- Fixed interest rate Home Loans are slightly higher than floating interest rate loans. Further, the rate of interest charged also depends on the Repo Rate, which is the rate at which the RBI lends funds to commercial lenders within the country. When the Repo Rate goes up, the Home Loan interest rates go up too and when the Repo Rate goes down, the Home Loan interest rates go down. So, if you are on a floating rate of interest, keep an eye on the Repo Rate.
- Lastly, the Home Loan interest rates that borrowers get offered also depend on the LTV ratio. A higher LTV ratio carries a higher risk for the lender and therefore, leads to a high rate of interest on Home Loans. A low LTV ratio, on the other hand, leads to borrowers being offered low interest rates.
Final Words
A Home Loan is a safe and convenient way to buy a home. However, do keep in mind that a Home Loan is a long-term financial commitment. Therefore, one should conduct proper planning to manage their Home Loan comfortably. Before you apply for a loan, use a Home Loan EMI Calculator to work out the Home Loan amount and EMIs you can easily manage.
*Terms and conditions apply.
Also Read: 5 Tips for Lowering Home Loan Interest Rates
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
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How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
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What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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cibil Cibil
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What is Credit Mix and How to Boost Your Credit Score?2023-03-27 | 7 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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Will a Loan Settlement Ruin My CIBIL Score?2023-03-21 | 4 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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cibil Cibil
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How Does Being A Loan Guarantor Affect Your Credit Score?2023-03-23 | 4 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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cibil Cibil
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How can I Remove Loan Inquiry from CIBIL Credit Report2024-01-22 | 5 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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home+loan Home Loan
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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home+loan Home Loan
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?2024-01-24 | 3 min
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cibil Cibil
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A Helpful Guide to Understanding Your Credit Report2024-01-26 | 5 min
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home+loan Home Loan
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An Essential Guide to Refinancing a Home Loan2024-04-22 | 5 Min
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cibil Cibil
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Difference Between Credit Score and CIBIL Score2024-02-15 | 5 min
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cibil Cibil
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Loan Settlement And Its Effects On Your Credit Score2024-03-07 | 6 min
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tax Tax
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How Much Tax Can be Saved Under Sections 80C, 80D, and 80G?2023-02-22 | 5 min
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home+loan Home Loan
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10 Factors That Affect Your Home Loan Eligibility2024-05-21 | 7 min
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home+loan Home Loan
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Understanding Stamp Duty and Property Registration Charges2024-03-13 | 5 min
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home+loan Home Loan
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Should I Apply for a Pre-Approved Home Loan or an After Property Finalisation Loan?2024-03-15 | 5 min
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cibil Cibil
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Everything You Need to Know About the Ideal CIBIL Score for Business Loan2024-01-17 | 4 min
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cibil Cibil
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What is the Role of CIBIL Score in Getting a Home Loan?