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Loan Against Property EMI Calculator

Managing a Loan Against Property begins with understanding your monthly obligations. The free EMI calculator on Bajaj Markets helps estimate instalments instantly, compare tenures, and assess total interest for better planning. By analysing scenarios, you can select a suitable repayment plan, manage cash flow, and prepare for early repayments effectively.
Your Loan Against Property EMI
₹ 7,164
Total Interest Amount

₹ 719,435

Principal Amount

₹ 10,00,000

Total Payable Amount

₹ 17,19,435

Loan Amount i
Interest Rate
- +
Min value reached
Max value reached
Tenure
Months arrow-down-img
  • Years
- +
Min value reached
Max value reached
Calculate Now

You can also make instant comparisons between loan offers from multiple loans against property providers on Bajaj Markets

... Read More

How to Use Bajaj Markets Loan Against Property EMI Calculator

Using the Loan Against Property EMI calculator on Bajaj Markets is quick and easy. Simply follow these steps:

  1. Enter Loan Amount: Specify the loan amount you wish to borrow against your property

  2. Select Loan Tenure: Choose the repayment period in months

  3. Add Interest Rate: Enter the applicable loan interest rate

The calculator instantly shows your EMI, total interest payable, and overall repayment amount. You can also adjust the loan amount, interest rate, and tenure to compare options and choose an EMI plan that best fits your budget.

How is the Loan Against Property EMI Calculated

You can easily calculate your loan against property EMI online using the LAP EMI calculator available on Bajaj Markets. Simply enter the loan amount, tenure, and interest rate to get an instant estimate of your EMI, total interest payable, and overall repayment amount.

You can also calculate the loan against property EMI using the following standard formula:

EMI = [P × R × (1+R)^N] / [(1+R)^N – 1]

Where:

  • P = Principal loan amount

  • R = Monthly interest rate (annual interest rate ÷ 12 ÷ 100)

  • N = Loan tenure in months

Example:
Suppose you take a loan of ₹20 Lakhs against property at an annual interest rate of 10% for 10 years (120 months).

  • P = ₹20 Lakhs

  • R = 10% p.a.

  • N = 120 months

Using the formula, the EMI comes to around ₹26,430 per month. This means you will pay a total of about ₹31,71,617 over the loan period, out of which ₹11,71,617 will be interest.

Calculation of a Loan Against Property EMI on Different Loan Amounts

The EMI for a loan against property depends on the loan amount, interest rate, and tenure. Shorter tenures lead to higher EMIs but lower overall interest. 

At an interest rate of 9% p.a. and a maximum tenure of 20 years, here are some example EMI calculations for different loan amounts:
Loan Amount Monthly EMI Total Interest Payable Total Repayment Amount

₹50 Lakhs

₹44,986

₹57,96,711

₹1,07,96,711

₹2 Crore

₹1,79,945

₹2,31,86,845

₹4,31,86,845

₹5 Crores

₹4,49,862

₹5,79,67,114

₹10,79,67,114

₹7 Crores

₹6,29,808

₹8,11,53,960

₹15,11,53,960

₹9 Crores

₹8,09,753

₹10,43,40,806

₹19,43,40,806

Disclaimer: The above EMIs are calculated with the calculator available on Bajaj Markets. Actual figures may vary depending on the loan terms.

Benefits of Using a Bajaj Markets Loan Against Property EMI Calculator

Using the Bajaj Markets Loan Against Property EMI calculator makes loan planning simple, accurate, and hassle-free. Here are some of the key benefits:

  • Provides real-time EMI calculations instantly and accurately

  • Eliminates manual errors with automated results

  • Allows easy comparison of different loan amounts, rates, and tenures

  • Helps in better financial planning with clear monthly obligations

  • Simple and user-friendly interface for all individuals

  • Offers accurate insights into repayment structures and loan management

Factors that Affect Your Loan Against Property EMI

Your loan against property EMI is influenced by three main factors

  • Loan Amount: Larger loan amounts increase EMIs, while smaller amounts reduce them

  • Repayment Tenure: Longer tenures lower monthly EMIs but increase overall interest, while shorter tenures mean higher EMIs with faster repayment

  • Interest Rate: Lower rates make EMIs more affordable, whereas higher rates increase your repayment burden

Key Points to Remember When Calculating Loan Against Property EMI

When planning your loan against property EMI, keep these factors in mind to manage repayments effectively

  • Higher loan amounts increase EMIs since interest is calculated on the borrowed principal

  • Longer tenure reduces monthly EMIs but raises the total interest paid

  • Even a small change in rate significantly affects your EMI and overall repayment

  • Choose an EMI that fits comfortably within your monthly income to avoid financial strain

Loan Against Property EMIs on Different Amount

Frequently Asked Questions

Loan Against Property EMI Calculator

What is the Loan Against Property EMI Calculator?

It is a free online tool that helps you estimate your monthly instalments, total interest, and overall loan cost. By adjusting the loan amount and tenure, you can find an EMI plan that matches your repayment capacity, making financial planning easier and reducing default risk.

It also provides a detailed repayment schedule, showing the interest, outstanding principal, and timeline for complete repayment

No, the Loan Against Property EMI calculator available on Bajaj Markets is completely free to use. You can calculate your EMIs as many times as needed without any charges.

Yes, you can use the Loan Against Property calculator for residential and commercial property loans.

The calculator provides highly accurate estimates of your monthly instalments by using the loan amount, interest rate, and tenure as inputs. It also eliminates the risk of manual calculation errors.

No, the calculator only estimates your EMI based on the loan amount, tenure, and interest rate you enter. It does not include property valuation or eligibility checks, which are determined separately by the lender.

Yes, the calculator lets you adjust the loan amount, interest rate, and tenure to compare EMIs and find the most suitable option.

No, the EMI calculator does not factor in prepayment or foreclosure. It only provides estimates based on the loan amount, tenure, and interest rate you enter.

If the exact rate is unknown, you can enter an approximate interest rate in the LAP interest calculator based on current market average rates. However, note that interest rates fluctuate based on your lender and credit profile. This will provide a close EMI estimate, as the final amount may vary once the lender confirms the actual rate.

Yes, with the mortgage loan EMI calculator available on Bajaj Markets, you can download or print the amortisation schedule. This allows you to keep a detailed record of your repayment plan, including principal and interest breakups for each instalment.

No, both calculators serve different purposes. An LAP calculator estimates your EMI based on the loan amount, tenure, and interest rate. The Loan Against Property Interest Rate Calculator, on the other hand, helps you check the applicable interest rates for your profile.

To check if you are eligible for the loan amount shown in the calculator, you need to meet the eligibility factors, such as:

  • Age

  • Income

  • Work experience

  • Property value

  • Existing liabilities

  • Credit score

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