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Plot/Land Loan EMI Calculator
Calculate EMI for land and plot purchases
Property Details
Loan Amount
₹35,00,000
LTV: 70.0%
Typically higher than home loans
5 - 20 years
⚠ Risk Warning: Land loans have higher interest rates and stricter LTV limits (usually 60-70%). Maximum down payment required.
Monthly EMI
₹38,688.96
Total Interest
₹34,64,012.8
Total Repayment
₹69,64,012.8
⚠ High LTV Warning
Your LTV is 70.0%. Banks typically approve maximum 60-70% LTV for land loans. You may need to increase down payment or reduce loan amount. Contact your lender for approval.
Cost Breakdown
Key Information
- LTV (Loan-to-Value):70.0%
- Down Payment:30.0%
- Total Interest Cost:₹34,64,012.8
- Interest as % of Loan:99.0%
Important: Plot loans have higher interest rates due to higher risk. Verify property ownership, title clearance, and legal status before applying. Consult your lender for final approval.
Amortization Schedule (First 12 Months)
| Month | EMI | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | ₹38,688.96 | ₹8,063.96 | ₹30,625 | ₹34,91,936.04 |
| 2 | ₹38,688.96 | ₹8,134.52 | ₹30,554.44 | ₹34,83,801.52 |
| 3 | ₹38,688.96 | ₹8,205.7 | ₹30,483.26 | ₹34,75,595.82 |
| 4 | ₹38,688.96 | ₹8,277.5 | ₹30,411.46 | ₹34,67,318.32 |
| 5 | ₹38,688.96 | ₹8,349.92 | ₹30,339.04 | ₹34,58,968.4 |
| 6 | ₹38,688.96 | ₹8,422.99 | ₹30,265.97 | ₹34,50,545.41 |
| 7 | ₹38,688.96 | ₹8,496.69 | ₹30,192.27 | ₹34,42,048.72 |
| 8 | ₹38,688.96 | ₹8,571.03 | ₹30,117.93 | ₹34,33,477.69 |
| 9 | ₹38,688.96 | ₹8,646.03 | ₹30,042.93 | ₹34,24,831.66 |
| 10 | ₹38,688.96 | ₹8,721.68 | ₹29,967.28 | ₹34,16,109.98 |
| 11 | ₹38,688.96 | ₹8,798 | ₹29,890.96 | ₹34,07,311.98 |
| 12 | ₹38,688.96 | ₹8,874.98 | ₹29,813.98 | ₹33,98,437 |