Home Loan APR Calculator
Compare your quoted home-loan interest rate with an estimated effective annual cost after upfront loan charges.
Enter Your Loan Details
Add valuation, legal, documentation or other applicable upfront charges.
APR is estimated using the economic cost of these charges. Actual lender KFS treatment may differ by charge and timing.
Your Estimated APR
Estimated APR
8.65%
Quoted Interest Rate
8.50%
Monthly EMI
₹43,391
Total Interest
₹54,13,840
Total Upfront Charges
₹39,500
Processing fee + GST on processing fee + other upfront charges
Interest cost
Upfront charges
Processing Fee
₹25,000
GST on Fee
₹4,500
Other Charges
₹10,000
Total Repayment
₹1,04,13,840
APR Sensitivity to Upfront Charges
| Processing Fee | Fee + GST + Other | Estimated APR | APR Above Rate |
|---|
What is APR? APR is the annual cost of credit expressed as an annualised percentage and includes the interest rate plus applicable charges associated with the credit facility. RBI's Key Facts Statement framework includes APR and requires disclosure of relevant fees/charges. citeturn0search13turn0search4
Important: This calculator is an estimate, not a substitute for the lender's KFS. The actual APR can depend on the exact timing of disbursement, instalments, fees, taxes and third-party charges. RBI's KFS framework also distinguishes charges payable to the lender and certain third-party charges. citeturn0search4
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