Home Loan

What will your home loan really cost?

Plug in your home loan details — monthly EMI, total interest, and full repayment schedule, instantly.

Home Loan EMI Calculator

Adjust the sliders to calculate your monthly EMI

Monthly EMI

$43,391

Principal

$5.00M

Interest

$5.41M

Total

$10.41M

$
$10K$50.00M
%
0.5%15%
1 Year30 Years
Savings
$
$0$86.8K
1
5 yrs
💰 Save up to $1.08M
🇺🇸United States Rates
Free • 30 sec

🇺🇸 United States — You're overpaying $5.41M in interest.

LendingTree users in United States save up to $1.08M on their home loan. Check if you qualify.

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How Home Loan EMI Works

A home loan is typically the largest financial commitment you'll make. Understanding how your EMI is calculated can help you make a more informed decision and potentially save lakhs over the loan tenure.

Lower Rates = Huge Savings

Even a 0.5% difference in interest rate can save you ₹3-5 lakhs over a 20-year home loan of ₹50 lakhs.

Pre-payment Power

Making one extra EMI payment per year can reduce your 20-year home loan tenure by 3-4 years.

Frequently Asked Questions

As of 2026, competitive home loan interest rates in India range from 8.25% to 9.5% p.a. depending on your credit score, loan amount, and the bank. Public sector banks like SBI and PNB often offer slightly lower rates than private banks.