Down payment + EMI
Your first home — a real plan
₹50L home in a Tier-1 city = ₹10L down payment + ₹3.5L registration + ₹40K/month EMI for 20 years. RERA-registered builder + balanced loan vs SIP decision + tax benefits (80C principal + 24b interest = ₹3.5L/yr). The full path — not just the EMI math.
Why this hub
First-home decisions involve down-payment savings, loan-vs-SIP math, RERA verification, tax structuring, and post-purchase wealth-building. Most calculators cover one piece. This hub stitches the whole journey.
Where to start
- Priority 1
Home loan
Compare rates, processing fees, prepayment terms across top 10 lenders.
- Priority 2
Down payment savings (debt MFs)
₹10L+ in 2-3 years requires liquid + ultra-short MFs (not equity).
- Priority 3
PMAY subsidy
Up to ₹2.67L subsidy for first-time eligible buyers.
- Priority 4
Home loan tax benefit
₹1.5L (80C principal) + ₹2L (24b interest) = ₹3.5L/yr deduction.
Read these next
Calculators for you
Regulatory + scheme rules
- Section 80C: ₹1.5L home-loan principal repayment deduction
- Section 24b: ₹2L home-loan interest deduction (self-occupied)
- Section 80EEA: extra ₹1.5L interest for affordable housing (under ₹45L)
- RERA: verify project + builder before booking — non-negotiable
Not sure where to start?