Property Details
20%
Analysis Results
Monthly EMI
₹0
Break-even Point
0 years
ROI after 10 years
0%
Down Payment Required
₹0
Cost Comparison Over Time
Assumptions & Methodology
- Property appreciates at 7% annually (based on Indian real estate historical data)
- Rent increases at 5% annually (typical Indian market trend)
- Maintenance cost of ₹4 per sq ft per month (average for mid-segment apartments)
- Property tax assumed at 0.5% of property value annually
- Opportunity cost of 8% for alternative investments
- Down payment requirement of 20% as per RBI guidelines for properties above ₹30 lakhs
- EMI calculations include principal and interest only
- Inflation and tax benefits on home loan interest not considered
EMI Calculation Formula:
EMI = P × R × (1+R)^N / [(1+R)^N-1]
Where P = Loan Amount, R = Monthly Interest Rate, N = Tenure in Months