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SLV Housing EMI Calculator

Property Price
Down Payment
Term (Loan Duration)
Interest Rate
Calculate
Add extra payments

Add extra payments:

Find out how making extra payments can help you pay off your house quicker.

To monthly mortgage payment
Extra yearly mortgage payment
Occurring every
One-time mortgage payment
In
Monthly Principal & Interest ₹999.03
Monthly Extra Payment ₹0.00
Estimated monthly payment ₹999.03
Down Payment ₹52,000.00
Extra Payments ₹0.00
Total Principal Paid ₹208,000.00
Total Interest Paid ₹151,650.40
Total of all payments ₹411,650.40
Start Date
Estimated Payoff Date

Amortization Schedule

Payment Date Payment Principal Interest Total Interest Balance
EMI
Taxes
Insurance
PMI

EMI Calculator with All Costs (India)

Plan your monthly home loan payments with accuracy. This tool factors in EMI, Property Mortgage Insurance (PMI), property taxes, and home insurance—ideal for villa plot buyers in Bengaluru.
Interest
Only

Interest-Only Loan Calculator (India)

Ideal for short-term investors and NRIs—this calculator helps you plan monthly payments when paying only interest. See how this structure affects your long-term affordability for SLV Housing projects.
Extra
EMI

Save on EMI with Extra Payments

Planning to repay early? Estimate how small extra EMIs can shorten your loan tenure and reduce interest burden. Perfect for SLV Housing’s villa plot buyers seeking smart repayment options.

Calculator Terms – Understand Before You Invest

Property Price (₹)

This refers to the base price of the villa plot or home you intend to purchase. At SLV Housing, we encourage buyers to also consider statutory charges like GST, registration, stamp duty, and infrastructure fees when calculating the full cost of ownership.

Initial Down Payment

Most financial institutions require a minimum of 10%–20% of the total property cost as down payment. For SLV projects, early investment or higher down payments may unlock better offers and reduce long-term interest liabilities. Always plan your finances for a secure start.

Loan Tenure

The duration of your home loan—commonly 10, 15, or 30 years in India—directly affects your EMI. SLV Housing recommends comparing shorter vs. longer terms to balance monthly affordability and total interest cost, especially when planning for long-term wealth creation through real estate.

Interest Rate (%)

Your bank’s lending rate depends on your creditworthiness, market rates, and loan type. Always compare options. SLV Housing encourages all homebuyers to get pre-approved loan estimates to avoid surprises during site booking or agreement registration.

Loan Start Date

This is when your EMI cycle begins. Coordinate with your SLV Housing relationship manager to align disbursement and agreement schedules for smoother documentation and legal compliance. Timely planning here avoids interest-only pre-EMI burdens.

Extra EMI Contributions

Adding small amounts to your monthly EMI or making annual lump-sum repayments can drastically reduce your overall interest and tenure. SLV Housing supports financially responsible investing—use this to reach homeownership goals faster and build your legacy.

When Should You Use a Mortgage Calculator?

Empower Your Investment with the Right Financial Tools

At SLV Housing Development Corporation, we believe informed decisions build lasting legacies. Our mortgage calculator with extra payment options is designed to help you clearly visualize your monthly home loan commitments. Whether you're buying a villa plot, custom home, or residential land in Bengaluru, this tool gives you clarity on how much you’ll pay toward your loan principal and interest over time.

Why It’s Critical to Plan Before You Buy

Before investing in real estate, especially in high-growth corridors like South Bengaluru, it’s essential to plan your finances. Use our calculator to simulate different loan scenarios — helping you understand how down payments, tenure, and interest rates affect your monthly EMI and long-term cost.

Experts at SLV recommend that your total home loan EMI should ideally remain within 40–50% of your monthly household income. This ensures financial comfort while investing in your dream plot or home.

Break Down Your Monthly EMI with Transparency

Many buyers are surprised to see how much of their EMI initially goes toward interest. Our calculator shows a detailed amortization schedule so you can track the shift from interest-heavy payments to principal reduction over time.

The ability to tweak interest rates, property prices, and down payments means you can arrive at the most optimized structure — whether you're investing in a plotted development like Sri Krishna Villas or Shruthi Gardens.

Accelerate Your Loan Repayment with Extra Contributions

Planning to make annual bonuses or extra funds work for you? Our mortgage calculator allows you to assess the impact of extra monthly, annual, or one-time payments on your loan term. Even a modest extra payment can significantly reduce your interest burden and help you become debt-free faster.

SLV Housing encourages smart financing strategies. Using this calculator, you gain full control and foresight — making your investment both secure and sustainable.

This mortgage calculator is provided by SLV Housing Development Corporation as a helpful tool to assist in your financial planning. While it offers general estimates based on the inputs provided, we recommend consulting with your financial institution or home loan advisor for a precise quote. Always verify all terms before making any investment or financial commitments to ensure peace of mind and informed decision-making.