Home Down Payment Calculator

As per RBI guidelines, banks can finance a maximum of 75–90% of the property value depending on the loan amount:

• Loan up to ₹30L: up to 90% LTV (10% down payment)
• ₹30L–₹75L: up to 80% LTV (20% down payment)
• Above ₹75L: up to 75% LTV (25% down payment)

A larger down payment reduces your loan amount, EMI, and total interest paid over the tenure.

Yes — if you plan to buy in the future, the property will likely cost more then than it does today. Indian real estate has historically appreciated at 5–8% per year in major cities (though this varies widely by location and market conditions). This calculator lets you factor in appreciation so your savings target is realistic, not based on today's price alone.

For a 1–2 year goal, prefer capital-safe instruments like liquid funds, short-duration debt funds, or FDs. For a 3–5 year horizon, a mix of debt funds and conservative hybrid funds can offer better returns while managing volatility. Avoid high-risk equity for a goal with a fixed, near-term deadline — a market downturn right before purchase could set you back.

Yes. If you have accumulated mutual funds toward your down payment but need short-term funds — perhaps to book the property before your FD matures — a Loan Against Mutual Funds from Quicklend can provide instant liquidity without forcing you to redeem your investments prematurely. Your units continue earning returns while the loan bridges the gap.