Property Loan Calculator

EMI, total interest & LTV for a home or property loan.

Calculate the EMI on a property loan (home loan or loan against property) from the loan amount, interest rate and tenure, with the total interest, total payable and the loan-to-value (LTV) ratio against the property’s market value. Includes a principal-vs-interest breakdown. Runs fully in your browser — nothing is uploaded.

How to use Property Loan Calculator

  1. Set property value

    Drag the slider to your property's current market value in rupees so this free online property loan calculator can work out your loan-to-value ratio.

  2. Enter loan amount

    Set the amount you want to borrow against the property; the tool instantly shows the loan-to-value (LTV) percentage as you adjust it.

  3. Set interest rate

    Slide to the annual interest rate your lender quotes for the home loan or loan against property to compute your reducing-balance EMI.

  4. Choose loan tenure

    Pick the repayment tenure in years, and the property loan EMI updates instantly using the standard reducing-balance amortisation formula.

  5. Read your EMI

    Instantly view your monthly EMI, total interest, total amount payable and the LTV ratio, with a donut chart splitting principal from interest.

  6. Share the result

    Tap share to copy a link that reopens this property loan calculator with your property value, loan amount, rate and tenure preserved.

Frequently asked questions

What is a loan against property (LAP)?

A secured loan where you pledge a residential or commercial property as collateral. Banks usually lend 50–65% of the property’s market value, at rates lower than unsecured loans but higher than home loans.

What is the LTV ratio?

Loan-to-value is the loan amount as a percentage of the property’s market value. A lower LTV means you’re borrowing less against the asset, which lenders see as less risky.

Is the interest rate yearly or monthly?

Enter the annual (per-year) rate, just like banks quote it. The calculator converts it to a monthly rate internally (annual ÷ 12).

How do I calculate property loan EMI?

Enter the property value, loan amount, annual interest rate and tenure, and this property loan EMI calculator instantly shows your monthly EMI, total interest and total amount payable using the standard reducing-balance formula EMI = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1).

How much loan can I get against my property?

Lenders cap the loan-to-value (LTV) ratio — typically about 75–90% of market value for home loans and 50–65% for a loan against property. Adjust the loan amount in this calculator to see your LTV update live and stay within a lender-acceptable range.

Is my data sent anywhere?

No. Every number is calculated in your browser with JavaScript — nothing you type is uploaded.

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