Tell us your goal and finances — we'll calculate your loan eligibility, EMI fit, down payment path, and give you a clear roadmap to the keys.
Step 1 of 4 — Your Profile25%
1
Your Profile
Let's start with who you are
Basic details help us personalise your home purchase plan — loan eligibility, timelines, and recommendations are all age and location specific.
Female applicants get preferential interest rates from most lenders
Minimum age: 23 years. Maximum loan tenure is capped at retirement age (60).
Step 1 of 4
2
Your Dream Home
Tell us about the property
Property details let us calculate the future cost after inflation, the exact down payment needed, and your monthly savings target to get there.
Your answer determines which calculations, inputs, and outputs are relevant to your plan
How this works: We'll inflation-adjust the current property price over your timeline, compute the down payment gap, and tell you the exact monthly SIP needed to accumulate it.
Self-funded plan: Since you're not taking a loan, we'll calculate how much your existing savings will grow, determine any funding gap, and compute the monthly SIP needed to cover the full purchase price.
Today's market estimate — we'll adjust for inflation to arrive at future purchase cost
Auto-filled based on property type — adjust if you have firmer estimatesCovers stamp duty, registration, brokerage, legal fees, and — for new/under-construction property — GST and interiors, all on top of the base property price
Base property cost + acquisition & setup loading, in today's terms
Immediate
Now15 yrs
Typical range: Metro cities 8–10% · Tier-2 cities 5–7%Used to calculate future property cost at time of purchase
Includes acquisition & setup costs · Rounded to nearest ₹10,000 · Updates as you adjust timeline and appreciation
A higher down payment = lower EMI and better lender rates
We compound this amount over the timeline — its future value reduces the monthly SIP needed
Your savings will compound — we use this to project their future value at purchase date
Future value of existing savings, compounded over the purchase timeline
Self-funded mode: Since there's no loan, your target is to accumulate the full future property cost. Enter all savings you've set aside for this purchase — we'll grow them at your chosen rate and compute the monthly SIP to bridge any gap.
We'll compound this over your timeline and deduct the future value from the total cost to find your funding gap
Your corpus will compound — this rate drives the future value projection
Future value of your savings at the chosen return rate over your timeline
This is the additional amount you need to accumulate through monthly SIPs
Not applicable for self-funded property
3
Your Financial Picture
Commitments, savings & goals
A complete financial picture ensures the plan is safe — not just possible. We check that this home purchase won't strain your other life goals.
Why this matters: We calculate your real EMI capacity by subtracting existing commitments. We also check if this home purchase competes with goals like education or retirement.
Deducted from income to compute available EMI capacity for this home loan
Longer tenure = lower EMI but more total interest paid over the loan life. Enter any whole number of years up to your eligible maximum.
Check HDFC / SBI / ICICI for latest rates. Current rates: 8.35%–9.5% (Apr 2025).
Blank = 60% of weighted income minus existing EMIs (FOIR benchmark)
CIBIL score directly affects loan eligibility and interest rate offered
Not applicable for self-funded property
Emergency Fund & Competing Goals
Whether loan or self-funded, a home purchase without a buffer carries significant financial risk
Co-applicant
Not applicable for self-funded property
Add a co-applicant (joint loan)
A co-borrower's income significantly increases your loan eligibility and may reduce the interest rate
Joint loan tip: A co-applicant's income is added to yours for eligibility. Female co-applicants often get a 0.05–0.1% rate concession. All fields below are required for accurate joint calculation.
Name must match government-issued ID
Banks require co-applicants to be close blood relatives or spouse
Added to your income to compute the combined loan eligibility
Female co-applicants often receive 0.05–0.10% lower rates
Co-applicant's age may cap the maximum loan tenure
Employment type affects how lenders weight the co-applicant's income
4
Your Income
Your income & investment capacity
Select your income type(s) and enter monthly amounts. Different income types are weighted differently by lenders — we apply industry-standard FOIR weights.
FOIR methodology: Lenders typically allow up to 60% of weighted monthly income for EMI obligations. Income types are weighted: Salaried 100%, Business/Self-employed 80%, Rental 70%, Agricultural 50%.
Self-funded income context: Since there's no loan involved, FOIR and EMI calculations don't apply. Your income figure here helps assess whether your monthly SIP target is manageable relative to your earnings.
Salaried
Fixed monthly CTC
100% weight
Business
Own business profits
80% weight
Self-employed
Professional / freelance
80% weight
Rental
Property rental income
70% weight
Agricultural
Farm / land income
50% weight
Other Income
Pension / dividends
50% weight
Weighted Monthly Income (lender view)
₹0
Select income type above
Max Home Budget
₹—
Max EMI Available
₹—
Loan Eligibility
₹—
Monthly Income
₹—
Funding Gap
₹—
Est. Monthly SIP
₹—
Review & Submit
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Your plan has been submitted!
Kapil will review your Home Purchase Plan and a detailed report would be shared shortly. You may now close this tab.
Your Home Purchase Snapshot
Future Property Cost
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Down Payment Needed
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Loan Required
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Monthly EMI
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Future Property Cost
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Projected Savings at Purchase
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Funding Gap
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Monthly Investment Needed
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Your Affordability Breakdown
Base Property Cost (today)—
+ Acquisition & Setup Costs—
= Total Acquisition Cost (today)—
Weighted Monthly Income—
Max EMI (60% FOIR benchmark)—
Less: Existing commitments—
Available EMI capacity—
Required EMI (on loan needed)—
Existing savings (today)—
Projected value of savings at purchase—
Loan Eligibility (from income)—
Your Self-funded Plan Breakdown
Base Property Cost (today)—
+ Acquisition & Setup Costs—
= Total Acquisition Cost (today)—
Future Property Cost—
Existing savings (today)—
Savings projected value at purchase—
Funding gap (cost minus projected savings)—
Monthly income (for SIP affordability check)—
Monthly SIP required to close gap—
EMI Across Tenures
Tenure
EMI / Month
Loan Eligible
Status
ℹ️ All EMI values rounded to nearest ₹100 · Loan eligibility rounded to nearest ₹1,000 · SIP rounded to nearest ₹500 · Projections are indicative and based on inputs provided. Actual terms subject to lender assessment.
