How much down payment do I need?

Banks fund up to 80-90% of the property value, so plan for a 10-20% down payment plus stamp duty, registration and other costs from your own funds.

Should I stretch to my maximum budget?

It's safer to keep your total EMIs below 40% of income and maintain an emergency fund. Buying at the absolute maximum leaves little room for rate hikes or income shocks.

Free Tool

Affordability Calculator

Find the maximum property price within your reach — combining the loan you can service with the down payment you have.

Monthly Income₹1,00,000

Existing EMIs₹0

Down Payment Available₹15.0 Lakh

Interest Rate8.50%

Tenure20 years

You Can Afford Up To

₹72.6 Lakh

Loan ₹57.6 Lakh + down payment ₹15.0 Lakh

Eligible Loan₹57.6 Lakh

Max Affordable EMI₹50,000

Down Payment₹15.0 Lakh

Remember to keep ~7-8% aside for stamp duty, registration and other charges.

Affordability FAQ

Your property budget = the loan you can service (based on income and existing EMIs) + your down payment. This tool combines both to give a realistic maximum property price.

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Important disclaimer: Results are indicative only and provided for informational purposes. They do not constitute financial, legal or investment advice. Budget excludes stamp duty, registration, brokerage and interiors. Keep an emergency buffer beyond the down payment. Actual figures may vary based on lender policies, government rates and individual circumstances. Always consult a qualified advisor before any financial commitment. Data accurate as of May 2026. Read full disclaimer.