Could you cope if rates rise?

A bank's EMI chart assumes the rate never changes. Enter the loan you are considering to see what a rise of 2% could do.

For floating-rate home loans from banks, linked to the RBI repo rate (EBLR). Housing finance companies, NBFCs and fixed-rate loans can behave differently, so check your sanction letter.

EMI at the quoted rate

ScenarioRate at the endEMILoan runsTotal interest

How much of a rate rise can the tenure absorb?

When the rate rises, many lenders keep your EMI the same and add months instead. That hides the rise until the loan reaches the 30-year limit. After that the EMI has to go up.

    If your income changes too

    The rate is one thing that can move after you sign. Your income is the other. Enter your monthly take-home income to see the EMI as a share of it, if both change.

      Ask the lender, and ask for the answers in writing:

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        The numbers you type stay on your device and are not saved. We only count that a check happened, so the organisation that shared this can see how many people used it. The rate moves shown are illustrations, not forecasts. This is education, not financial advice, and what you borrow is your decision. LoanRepo is independent of every lender.