Quick answer
On a ₹5.00 Cr flat with a 25% down payment, a 20-year loan at 8.5% costs about ₹3,25,434 a month. The calculator below recomputes instantly for your own price, rate and tenure; use your bank's sanction letter for the final rate.
Worked examples at 8.5% for 20 years
| Flat price | Loan (75%) | Monthly EMI | Total interest |
|---|---|---|---|
| 3.00 Cr | 2.25 Cr | ₹1,95,260 | ₹2,43,62,455 |
| 5.00 Cr | 3.75 Cr | ₹3,25,434 | ₹4,06,04,091 |
| 8.00 Cr | 6.00 Cr | ₹5,20,694 | ₹6,49,66,546 |
The same loan costs less per month at a longer tenure and more in total interest; pre-paying principal in the early years shortens the tenure the most. Under-construction flats are usually paid in stages, so the bank disburses in tranches and you pay interest only on the amount disbursed until possession. Our home loan guide explains eligibility, the tax deduction limits and the documents banks ask for.
Figures update as you type and run in your browser; nothing is sent to us. Rates are assumptions you can change — confirm with your bank, the Sub-Registrar and your advocate before you act.
Last reviewed 29 Sep 2026 by the Surat Niwas research desk under our editorial policy. This guide is general information, not legal, tax or investment advice — confirm figures with the official portal, your bank or your advocate before you act.