---
type: "tool"
title: "Home Loan Calculator"
description: "Home loan EMI, total interest and repayment after down payment. Includes the Section 123 (ex-80C) principal and Section 24(b) interest deductions."
resource: "https://www.gstcalculators.in/home-loan-calculator.html"
language: "en"
bundle_generated: "2026-10-12"
---

# Home Loan Calculator

Home loan EMI, total interest and repayment after down payment. Includes the Section 123 (ex-80C) principal and Section 24(b) interest deductions.

- Canonical page: [Home Loan Calculator](https://www.gstcalculators.in/home-loan-calculator.html)
- Publisher: [Tool Master Hub / GSTCalculators.in](../site.md)
- Category: [Tax and Loan Calculators](../categories/taxloan.md)

This is a discovery summary of the public page, not an independently reviewed replacement. Use the canonical page for current inputs, assumptions, formulas, source links and results. The bundle generation date does not mean that tax rules were reviewed on that date.

## Topics on the page



## Questions and answers from the visible page

### What tax benefit does a home loan give?

Principal repayment qualifies under Section 123 (formerly 80C) up to ₹1,50,000 a year, and interest under Section 24(b) up to ₹2,00,000 for a self-occupied property.

### How much down payment do I need?

Lenders typically fund 75–90% of property value, so expect to put down 10–25% yourself, plus stamp duty and registration.

### Should I choose a shorter tenure?

A shorter tenure means a higher EMI but far less total interest. Use the calculator to compare 15, 20 and 25 years on the same amount.

## Accuracy and corrections

[Methodology](https://www.gstcalculators.in/methodology.html) · [Editorial policy](https://www.gstcalculators.in/editorial-policy.html) · [Disclaimer](https://www.gstcalculators.in/disclaimer.html) · [Report a problem](https://www.gstcalculators.in/contact.html).