Down Payment & Mortgage Calculator

Most calculators lie by telling you that you only need 20% down. Discover the brutal truth of the hidden upfront costs (Stamp Duty, Registration, Brokerage) that banks refuse to finance.

＋Equis / Real Estate Analytics
Property Value
₹
Bank Loan limit (LTV)
%
Stamp Duty + Reg
%
Brokerage
%

Capital Requirement Report

Max Bank Financing (80%)₹80,00,000
Base Downpayment (20%)₹20,00,000
+ Stamp Duty (6%)₹6,00,000
+ Brokerage (1%)₹1,00,000
True Upfront CashRequired out of pocket
₹27,00,000

The Brutal Truth

Effective Downpayment: 25.2%

While the bank claims you only need 20% down, the hidden, un-financeable costs force your actual upfront cash requirement to a massive 25.2% of the total transaction value.

The Real Math of Buying Real Estate

Most standard mortgage calculators create a false sense of affordability by only asking for the "20% Down Payment". They ignore the massive transaction costs of Indian real estate.

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1. Unfinanceable Costs

RBI strictly prohibits banks from financing Stamp Duty, Registration charges, and Brokerage. This means this 6% to 8% cost must be paid 100% out of your pocket in cash on day one.

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2. The LTV Illusion

LTV (Loan to Value) is calculated strictly on the agreement value. If you buy a ₹1 Cr house, an 80% LTV means an ₹80 Lakh loan. But because of stamp duty, the total cost to you is ₹1.07 Cr. This means your true downpayment effectively balloons to over 25%.

Frequently Asked Questions

Can I include stamp duty in my home loan?expand_more
No. RBI regulations mandate that stamp duty and registration fees cannot be funded by the bank. You must arrange for these funds completely on your own, independent of the home loan disbursement.
What is the maximum LTV allowed in India?expand_more
For home loans under ₹30 Lakhs, LTV can go up to 90%. For loans between ₹30 Lakhs and ₹75 Lakhs, it is capped at 80%. For loans above ₹75 Lakhs, it is capped at 75% to limit banking sector risk.