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Eligibility, EMI, true cash-to-close (Maharashtra stamp duty + registration), and your tax position — for a property in Navi Mumbai and your finances.
One verdict: bank eligibility, EMI, the true upfront cash, and your tax position.
Approval likely, but you're ₹2,79,000 short on upfront cash.
Eligibility
Monthly EMI
Cash to close
Kharghar, Kamothe, Kalamboli, New Panvel and Taloja are often listed as Navi Mumbai, but they are in Panvel Municipal Corporation, where stamp duty is 1% higher.
Based on the income and savings you entered above.
Tax
What changes the answer
Calculated on your device — your income and CIBIL are never sent or stored. Indicative estimate, not a loan approval, offer, or financial advice. Verify with your bank and sub-registrar.
Beyond the down payment (typically 20% on an 80% loan), Maharashtra stamp duty + registration adds several percent of the price, plus loan processing and legal charges. The real upfront cash is often 30%+ — this tool shows your exact cash-to-close and the gap versus your savings.
Banks cap your EMI near 50% of income (FOIR) and lend up to 75–90% of value (RBI LTV). Your eligible loan is the lower of the two — this tool computes both and shows which one binds.