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A home loan prepayment calculator is a sophisticated digital financial tool designed to help borrowers estimate how a partial or full prepayment of a home loan impacts their overall repayment structure and interest liability. Under the latest RBI (Pre-payment Charges on Loans) Directions), regulated entities are prohibited from levying foreclosure charges on floating-rate loans sanctioned to individual borrowers for non-business purposes.
Using this prepayment calculator, you can visualize how reducing your principal amount results in significant interest savings and a potential shortening of your loan tenure. Whether you use a housing loan prepayment calculator for a small lump sum or a large windfall, the goal is to optimize your debt-to-income ratio and achieve financial freedom faster.
Calculate how much you should prepay
Preferred loan amount
Interest rate (per annum)
Loan tenure (months)
Estimated EMI
per monthInterest payable
₹52,41, 690To understand the power of early repayment, let’s look at a hypothetical scenario. Suppose you have an outstanding home loan of ₹50 Lakhs at an interest rate of 9% p.a. with a remaining tenure of 15 years (180 months).
If you decide to make a one-time partial prepayment of ₹5 Lakhs in the 12th month of your remaining tenure, the housing loan prepayment calculator will show you:
Our home loan with prepayment calculator is designed to provide transparency and precision. Key features include:
Using a housing loan prepayment calculator is a simple process providing instant results. Follow these steps:
1. Enter Your Loan Amount (Principal): Provide the sanctioned loan amount for your Home Loan.
2. Input the Interest Rate: Enter the annual interest rate on your loan, provided as part of your loan agreement.
3. Add Remaining Tenure: Enter the months or years remaining on your prepayment of housing loan calculation.
4. Add Prepayment Amount: Include the home loan pre payment calculator value you intend to pay.
5. Calculate the Impact: The home loan with prepayment calculator will compute the reduction in EMI or the home loan prepayment calculator reduce tenure impact.
6. Analyse ResultsCompare the original repayment schedule versus the revised one post-prepayment.
Financial experts recommend using the prepayment calculator in the following situations:
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