PRODUCTIVE IT / HOME LOAN
A calmer way to plan a home loan.
Start with a sensible home-loan scenario, then adjust the amount, rate, tenure and prepayment to see the trade-offs.
HOW IT WORKS
Simple inputs. Clear next step.
01
Use the home-loan preset as a starting point.
02
Tune the rate and tenure to match your lender quote.
03
Use the prepayment scenario to compare lower EMI with faster payoff.
FAQ
Answers before you decide.
What does a home-loan EMI include?
Each EMI includes interest on the outstanding balance and a principal component. The interest portion usually falls as the balance reduces.
Can I use this for a floating-rate loan?
Yes, as a planning estimate. For a floating-rate loan, update the rate and tenure when your lender changes them.