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Plan your cash requirement for property purchases with loans
Banks typically allow 75-90% LTV
Typically 5-8% of property price
Downpayment Required
Total Cash Needed
Loan Amount
Downpayment is the cash amount you invest upfront in a property purchase, with the remaining balance financed through a home loan from a bank. Banks apply an LTV (Loan-to-Value) ratio, typically lending 75-90% of property value, which requires you to contribute 10-25% as downpayment. The downpayment amount critical impacts your loan eligibility, EMI burden, and total borrowing cost—a higher downpayment reduces your EMI and interest payments but requires more initial cash. Beyond the basic downpayment, you must also budget for closing costs including stamp duty (3-6%), registration charges (1%), legal fees (0.5-1%), and miscellaneous charges—these typically add 5-8% to your downpayment requirement. Understanding downpayment helps you plan your cash needs and financial readiness before property purchase. This calculator shows you exact downpayment requirements and total cash needed for your property investment.
Result = Amount × Rate / 100Where:
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This calculator is provided for informational and educational purposes only. While we strive for accuracy, results should be verified with official sources or by consulting qualified professionals. Tax laws, rates, and regulations are subject to change. GotRedFlags is not responsible for financial decisions made based on these tools.