Chalo simple aur practical tareeke se samajhte hain š
š Property Cost: ā¹29,00,000
ā 1. Loan kitna milega?
India me RBI ke rule ke according:
- ā¹30 lakh tak property ā 90% tak loan mil sakta hai
š To tumhare case me:
- Max Loan ā 90% of 29 lakh = ā¹26.1 lakh
- Bank generally round karke ~ā¹25ā26 lakh approve karta hai (profile pe depend)
š° 2. Down Payment kitna dena padega?
- 10% minimum = ā¹2.9 lakh
š Matlab:
- Tumhe apni pocket se approx ā¹3 lakh dene hi padenge
ā ļø 3. Hidden / Extra Kharcha (IMPORTANT)
Yahi jagah log galti karte hain ā
š Extra Cost Breakdown:
| Expense | Approx % | Amount |
|---|---|---|
| Stamp Duty + Registration | 5%ā8% | ā¹1.5 ā ā¹2.3 lakh |
| Loan Processing + Legal | 0.5%ā1% | ā¹15k ā ā¹30k |
| Interior / Setup | ā | ā¹50k ā ā¹2 lakh (optional) |
| Misc (broker, shifting etc.) | ā | ā¹20k ā ā¹50k |
š Stamp duty etc. loan me include nahi hota
š Total Paisa Kitna Ready Rakho?
| Component | Amount |
|---|---|
| Down Payment | ā¹3,00,000 |
| Registration + Stamp | ā¹1,80,000 (avg) |
| Other charges | ā¹50,000 |
| Total Required | ā¹5 ā ā¹6 lakh approx |
š” Final Summary (Straight Answer)
- šµ Loan milega: ā¹25ā26 lakh
- š¦ Down payment: ~ā¹3 lakh
- šø Total apni pocket se: ā¹5ā6 lakh
ā ļø Important Reality Check
- Loan eligibility income pe depend karta hai (salary/business)
- EMI usually income ka 40ā50% se zyada nahi hona chahiye
- Interest rate ~8.5%ā10% ke around hota hai (2026)
š„ Pro Advice (Real Game)
Agar tum:
- ā¹3 lakh se jyada down payment doge (like ā¹5ā7 lakh)
š to: - EMI kam hogi
- Interest bhi lakhon me bachega
Agar chaho to main tumhare liye:
š EMI calculation (monthly kitna dena padega)
š Best bank loan plan
š Ya pura deal profit-loss analysis
detail me bana deta hoon š
Ha sab kuch bata do
Theek hai, ab poora end-to-end breakdown deta hoon ā EMI, eligibility, best banks, aur smart strategy š
š Property Price: ā¹29,00,000
š¢ 1. Loan + Down Payment Recap
- Loan (90%) ā ā¹26,00,000 (approx)
- Down Payment ā ā¹3,00,000
- Total pocket se (all cost) ā ā¹5ā6 lakh
šø 2. EMI Kitni Banegi?
Assume:
- Loan = ā¹26 lakh
- Interest = 9%
- Tenure = 20 years
š EMI calculation formula:
EMI=PĆrĆ(1+r)n(1+r)nā1EMI = \frac{P \times r \times (1+r)^n}{(1+r)^n – 1}EMI=(1+r)nā1PĆrĆ(1+r)nā
tayyabkhantayyab@gmail.com –
hello its very useful