{ "media_type": "text", "post_content": "I want home loan of 57L. My in hand salary per month is 1L. What are the best options available in India?", "post_id": "6152d5d417d8cd002395d72e", "reply_count": 5, "vote_count": 2, "bowl_id": "60034a76d9c94400207c1031", "bowl_name": "Investing and Personal Finance", "feed_type": "bowl" }

I want home loan of 57L. My in hand salary per month is 1L. What are the best options available in India?

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You can get 57 lacs, but considering the 1lac per month salary, you would have to stretch the loan tenure to 30 years so that the EMI comes down to 57-62K per month.

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If you are calculating emi using online calculator.. it might differ from what bank will give you in actual. also i am hopping you are considering 2 points 1. As per RBI mandate no bank shall give loan of more than 80% of actual house price 2. You will also need to pay stamp duty + registration which is 11% (7+4) might change from state to state.

If you have around few lakhs on fixed deposit and take a loan against it.. So u need to pay just one percent interest against that per month +principal amount

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