How this calculation works
Estimate a requested loan against an existing property and compare it with a manually chosen loan-to-value ceiling. Unlike a home-purchase budget, the loan amount is entered directly and does not come from a purchase price minus down payment. The available-headroom result is unused room under the chosen LTV, not a commitment that additional credit will be approved.
Worked example
This example uses illustrative inputs. Your current result is shown above.
For property valued at ₹10,00,000, 60% entered LTV allows ₹6,00,000. Request ₹5,00,000 at 12% annual reducing-balance interest for one year with ₹2,500 fee. Requested LTV is 50%, leaving ₹1,00,000 headroom. EMI is ₹44,424.39 and total repayment including fee is ₹5,35,592.73.
Assumptions and limits
- Property value and LTV are supplied assumptions, not an official appraisal or a universal lender policy.
- The requested loan cannot exceed the entered ceiling. Title checks, existing charges, legal costs, income-based approval and tax effects are not assessed.
Questions people ask
Is the property value the amount I can borrow?
No. The entered LTV limits borrowing to a fraction of the property value, and a lender may approve less after its other checks.
Does remaining headroom include my income capacity?
No. It is only ceiling minus requested principal. Repayment capacity and any existing secured borrowing must be evaluated separately.