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Disclaimer: The aforementioned values, calculations and results are for illustrative and informational purposes only and may vary basis various parameters laid down by Tata Capital.
Worried about loan EMIs disturbing your monthly budget? Then Tata Capitals Loan Against Property EMI Calculator is just for you. You can calculate how much your loan repayments might be before you even apply for one! All you have to do is use an EMI calculator for loan against property.
An EMI calculator for loan against property helps you calculate your potential EMIs, interest payable, and the total amount of the loan.
Tata Capital's Loan Against Property EMI calculator will give you an estimated figure for the total monthly instalment payments along with the complete breakup of the repayment process. You can adjust the principal amount in the loan against property calculator to find a value that works for you. You can now strategize your repayment schedule in advance with the help of our EMI calculator for loan against property.
Our loan against property calculator will help you calculate your potential EMIs instantly. All you have to do is enter the following details in the LAP loan EMI calculator-
Loan Against Property Loan Amount- Enter the loan amount in the LAP loan EMI calculator.
Interest Rate- Interest rate starts from 9% (19% for SBL Micro LAP) But you can adjust the rate of interest in the loan against property EMI calculator.
Loan Tenure- Next step in the EMI calculator for loan against property is entering your desired loan tenure. Tata Capital offers you maximum tenure (upto 10 years for SBL Micro LAP)
Click the Calculate button at the bottom of the loan against property EMI calculator. The system shows your EMI monthly break-up of both the interest and principal payment.
If the Loan Against Property EMI calculator result is higher or lower than you want to pay, edit the principal amount and follow the same steps from 2 to 4.
A loan against property EMI calculator requires you to enter details like the loan principal, preferred interest rate, and repayment duration. After this, the EMI calculator for LAP uses a formula to calculate your potential EMIs.
EMI= [P x R (1+R) N]/ [ (1+R) N-1]
Here
P is the principal loan amount
R is the rate of interest
N is the number of instalments
Calculating this value manually can be time-consuming. But with a loan against property calculator, you will get instant results.
A loan against property calculator is an excellent tool to calculate your potential EMIs instantly. With a LAP loan EMI calculator, you can perform complex calculations quickly. Here are some other features of Tata Capital's EMI calculator for loan against property-
Quick- Use our loan against property calculator and say goodbye to time-consuming manual calculations.
Accurate- Generate error-free results with our EMI calculator for LAP.
Free- Use our loan against property EMI calculator for free as many times as you want.
Easy-to-use- Our EMI calculator for LAP is easy to use. Just enter the details and get the results.
Multiple combinations- Use our loan against property calculator to try multiple combinations of the principal amount, tenure, and interest rate to get an EMI that fits your requirements.
24*7 access- You can access our EMI calculator for LAP to generate potential EMIs whenever you want.
Yes, the loan against property EMI calculator can be used to estimate the EMI you will have to pay in a given tenure.
All you need to do is feed the following information into the EMI calculator.
You can do this by adjusting the sliders or directly entering the values. Based on these inputs, the lap EMI calculator will display your monthly EMI, total payable amount and the total interest payable.
Yes, the EMI calculator is accurate in estimating your monthly EMI. To calculate this, simply feed in the following information. You can do this by adjusting the sliders or directly entering the values for each variable.
Based on this, the calculator will display your monthly EMI, total amount payable, and total interest payable. Thus, this calculator helps you understand your loan repayment obligations and plan your financial future better.
Tata Capital offers the LAP EMI calculator as a tool to help customers accurately calculate their monthly EMIs based on loan tenure, amount and interest rate.
This loan against property EMI calculator is only meant for informational purposes and is not related to your loan application. Hence it can be used to find the EMI for a modified loan amount and interest rate but not to modify an existing loan amount or interest rate.
It is also essential to note that the values of the loan amount and interest rate have to be in a specified range. The loan amount can only be between Rs. 10,00,000 and Rs. 3,00,00,000, and the interest rate can be at most 15% p.a.
The loan against property EMI calculator uses the following formula to calculate your potential EMI.
EMI = [P x R (1+R)N]/[(1+R) N-1]
Here,
P refers to the principal loan amount
R refers to the interest rates.
N refers to the number of instalments.
Other charges, like taxes and additional fees, are not shown in the EMI calculator. These will be shared with you upon approval of your loan against the property.
A loan against property EMI calculator available on Tata Capital’s website is a self-help planning tool that aims to help you understand the amount you have to pay as EMI after successful loan approval.
Using this EMI calculator, you can make an informed decision about how much EMI amount you will be comfortable with and compare various loan choices.
This can be done by comparing the estimated EMI amount for different loan choices, which vary based on interest rates, loan repayment plans, and loan amount. This will help you identify the most feasible EMI option for you.
When calculating the monthly EMI amount for a home equity loan, you should remember that the final EMI is dependent on three factors:
The EMI calculator should be used to determine your optimal EMI amount based on how much you need, how long the loan tenure should be, and the most feasible interest rates for you.
The LAP loan EMI calculator is optimal for planning your finances beforehand. Apart from estimating your EMI for you, the loan against property EMI calculator can also be used to calculate partial pre-payments.
You can deduct that from the outstanding loan once you decide how much to prepay partially. This outstanding loan will now become your principal loan amount, which can be fed into the EMI calculator to find out your new and improved monthly EMI.
When studying your loan repayment schedule to calculate the EMI to be paid each month, it is essential to determine how the interest was charged on your loan. There are not one but two different methods of EMI calculation, declining balance rate and flat interest rate.
In a flat interest rate, a fixed rate of interest is calculated on the principal loan amount. This interest is added to the principal amount, and the final sum is divided by the total number of instalments to calculate your monthly EMI amount.
In a declining balance rate, the interest is calculated on the outstanding principal amount at a particular time interval. As you keep repaying the loan amount with your EMIs, the outstanding principal amount starts reducing, resulting in lower EMI as time progresses.
The loan against property EMI calculator uses the basic EMI formula,
EMI = [P x R (1+R) N]/[(1+R) N-1]
Here, the interest rate is fixed and does not alter every year. In the case of a fluctuating interest rate, the interest rate might increase or decrease based on RBI or market conditions. Hence, a standard EMI calculator cannot compute the EMI for a fluctuating interest rate.
During your loan application process, your application goes through a series of checks and validations. Once you submit your document, the lender verifies its authenticity, and upon successful verification, your loan amount is sanctioned.
However, the process is not over yet. After the loan sanction, your property and documents undergo a more stringent verification process. Once the final verification is completed, the loan amount is disbursed into your bank account.
Hence, the final EMI payment is calculated based on the loan amount disbursed by the financial institution and not the sanctioned amount.
Here’s a breakdown of the minimum and maximum values of the Tata Capital Loan Against Property EMI Calculator:
Loan Amount: The minimum loan amount is Rs 5 lakhs, and the maximum is Rs 5 crores.
Loan Tenure: The minimum loan tenure is 12 months, and the maximum is 20 years.
Loan Interest Rate: The minimum loan interest rate is 10.10%, and the maximum is 15%.
With our loan against property calculator, you’ll be able to find the best loan that suits your budget and requirements. Use our EMI calculator for LAP and find a value now.
You can get a loan amount of up to Rs 5 crores against your property with Tata Capital. Consider using our free and user-friendly loan against property calculator to determine your monthly EMI, total amount payable, and total interest payable.
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