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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 ₹3,14,000 short on upfront cash.
Eligibility
Monthly EMI
Cash to close
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.