The popularity of Home Loans has grown immensely over the last few years, primarily because of the many, many benefits associated with these loans. Home Loans allow individuals to build assets without exhausting their savings. These loans come with a long repayment period and low-interest rates, which makes them the most affordable of all loans. However, Home Loans are big-ticket loans and a big commitment. Therefore, anyone planning to avail of a housing loan must take the plunge only after proper financial planning. In the absence of financial planning, a Home Loan can become a burden. A Home Loan EMI calculator helps greatly in this regard. In this article you should know all about the Benefits of Home Loan EMI Calculator. By using a Loan EMI calculator, you can.
Home Loans are repaid in the form of EMIs or equated monthly instalments. EMIs constitute an interest component and a principal component. During the initial years of a loan, the interest component is much higher than the principal component. As time passes, the interest component reduces, and the principal component goes up.
If you want to calculate your EMIs concerning a specific loan amount, you will have to use this formula for EMI calculation for a Home Loan:
Home Loan EMIs = P x R x (1+R)^N / [(1+R)^N-1]
Here,
P refers to the principal loan amount, N is the loan tenor is months and R is the applicable monthly interest rate.
N = Loan tenor in months
R = Monthly interest rate
The Home Loan EMI calculation formula is a tricky formula with scope for many errors. Thus, when borrowers avail of a Home Loan, they are advised to use a Home Loan EMI Calculator to understand their EMI obligation concerning the loan amount they wish to avail of.
Also Read: How to Calculate Home Loan EMI
Benefits of the Home Loan EMI Calculator
Here are 6 key benefits of using an EMI calculator for your finances.
It Makes Calculating EMIs Easy
We just looked at the formula for Home Loan EMI calculation. The formula is tricky and using it to calculate EMIs can prove to be a daunting task.
When you decide to take a Home Loan, figuring out the right EMI requires you to try out various combinations of the loan amount, tenor and rate of interest. If you are calculating EMIs manually, trying different combinations would require you to use the formula again and again, which is a near-impossible task. A Home Loan EMI calculator makes calculating EMIs easier. With a calculator at your disposal, you can calculate EMIs as many times as possible without feeling mentally drained.
You Can Use it Anytime and Anywhere
Yet another big advantage of a Home Loan EMI calculator is that this handy tool is available everywhere online. All you have to do is search for the Home Loan EMI calculator and you will get a hundred different results. Further, to be able to use the calculator, all you need is a phone and a decent internet connection -- if you have that, you can use the calculator anytime and anywhere.
It Helps You Decide on the Right Loan Offer for You
If you are planning to avail of a Housing Finance, you must talk to as many lenders as possible and take offers from each one of them. Once you have all the offers, use a Loan EMI calculator to figure out which Home Loan deal would prove to be ideal for you. In the absence of a Home Loan calculator, comparing Home Loan deals would require one to calculate EMIs for various offers manually. This isn't only mentally exhausting but also time-consuming. With this EMI calculator, you can compare as many offers as you like.
It Helps You Decide the Right Loan Tenor for You
A Home Loan is a long-term commitment. It is, therefore, crucial that you choose a tenor and EMI combination that will allow you to repay your loan comfortably. Opting for a long tenor would make your EMIs affordable but would increase your total interest outgo. On the other hand, keeping the tenor short helps one save on the total interest outgo but can make EMIs hard to pay. A Home Loan calculator allows an individual to try out various combinations of tenor and EMI until they have reached a combination that allows them to keep their EMIs affordable while also saving considerably on the total interest outgo.
Also Read: Pick the Best Home Loan Tenor
It Makes Financial Planning Easier
A Home Loan is at least a 15 to 20 year-long commitment. Therefore, one must avail themselves of a Home Loan only after proper financial planning. A Home Loan EMI calculator facilitates this planning by giving you your monthly EMIs. Once you know your EMI obligation, you can plan your monthly budget in such a way that you always have enough money to cover all your EMIs. Further, if you are planning to make prepayments to close the loan early, a Home Loan calculator will tell you how part prepayments will help you become debt-free sooner and what would be the ideal time to make these payments.
It Helps You Save Time
Calculating EMIs is no easy task. The calculations require you to use a tricky formula and are often time-consuming. When you use a Housing Loan EMI calculator, you save a lot of time, which you can use for other purposes.
Final Words
In conclusion, a Home Loan calculator is a handy tool that is quite easily available these days. If you are planning to embark on a Home Loan journey, make sure to use this tool to your best advantage. If you are confused about which EMI calculator to use, we recommend the Bajaj Housing Finance Home Loan EMI Calculator.
Also Read: How to Calculate the Interest Rate on Home Loans?
Buying a home is a dream for everyone which entails a lot of financial planning. Home Loan eligibility calculator makes it easy for those who want to buy a home of their dream. Self-employed and salaried individuals can simply use this calculator to estimate their financial limitations. This will help them understand their outgoing EMI, tenor and interest rate with respect to their desired loan amount. It is easy to use a Home Loan EMI calculator. You just need to input few details such as loan amount, tenor and interest rate.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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loan+against+property Loan Against Property
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Understanding the Fees and Charges on Your Loan Against Property2024-04-10 | 6 min
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cibil Cibil
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How Does Missing One Payment Affect Your CIBIL Score?2024-05-15 | 4 min
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home+loan Home Loan
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6 Ways to Reduce Your Home Loan Interest2024-03-20 | 4 min
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cibil Cibil
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Ways to Improve Your Credit Score with a Credit Card2024-02-02 | 4 min
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cibil Cibil
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What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
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How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
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How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
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How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
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How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
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How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
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What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?