Your monthly instalment, and what it really costs.
The EMI is the number everyone asks for. The total interest is the number that should change your mind about the tenure.
Monthly instalment
₹36,943
₹45.0 L
principal
₹43.7 L
total interest
₹88.7 L
total repaid
*Starting rates as on 2 Sept 2026, as published by each lender. Rates may change and are subject to the lender’s approval. Results are for your own planning, not an offer. LoanPark is a loan facilitator, not a lender.
While you are here.
Does a longer tenure make a home loan cheaper?
It makes the monthly instalment smaller and the loan considerably more expensive. Stretching ₹45 lakh at 7.75% from twenty years to thirty cuts the EMI by roughly ₹5,000 a month but adds well over ₹20 lakh in total interest. Take the longest tenure you can qualify for, then prepay against it — you get the lower commitment without the full cost.
Other tools
Balance transfer savings
Monthly saving, lifetime saving, and the break-even month — the number that actually decides whether to switch.
Eligibility, lender by lender
What each confirmed lender on our panel would lend against your income.
Stamp duty & registration, Gujarat
Sale and mortgage duty on the higher of jantri or consideration, including the 2025 mortgage cap.
Want these numbers against your actual file?
Send two lines and we will use your real sanction letter, not a slider.