Approximate EMI by configuration
Based on the current indicative price range, assuming a 20% down payment, 80% home loan at 8.5% p.a. over a 20-year tenure. Actual EMI depends on the bank, your credit profile, and the exact tenure and rate you're offered, so treat this as a starting point for budgeting, not a quote.
| Configuration | Area | Price Range | Down Payment (20%) | Loan Amount (80%) | Approx. Monthly EMI |
|---|---|---|---|---|---|
| 2 BHK Luxe | 1,063 sq.ft | ₹1.58–1.7 Cr | ~₹32.8 L | ~₹1.31 Cr | ~₹1,13,750 |
| 3 BHK Luxe | 1,510 sq.ft | ₹2.25–2.42 Cr | ~₹46.7 L | ~₹1.87 Cr | ~₹1,61,950 |
| 3 BHK Grande | 1,735–1,838 sq.ft | ₹2.73–2.94 Cr | ~₹56.7 L | ~₹2.27 Cr | ~₹1,96,600 |
| 4 BHK Luxe | 2,096 sq.ft | ₹3.14–3.38 Cr | ~₹65.2 L | ~₹2.61 Cr | ~₹2,26,050 |
| 4 BHK Grande | 2,415 sq.ft | ₹3.63–3.9 Cr | ~₹75.3 L | ~₹3.01 Cr | ~₹2,61,150 |
EMI figures are calculated on the midpoint of each price range using the standard reducing-balance formula. They exclude processing fees, and assume the full loan is disbursed at once, which isn't how construction-linked disbursement actually works (your EMI or pre-EMI interest will be lower early on and step up as the builder raises each demand). Ask me for a stage-wise payment and disbursement schedule specific to your configuration.
Other costs to budget for
- Stamp duty: 5% of property value (Karnataka, for properties above ₹45 lakh)
- Registration charge: 1% of property value
- So, roughly 6% on top of the base price for stamp duty and registration alone, before any local body cess, khata, or legal fees. On a ₹2.5 Cr unit, that's about ₹15 lakh.
- Loan processing fee: typically 0.25–0.5% of the loan amount, varies by bank.
- Maintenance deposit / corpus fund and interior/fit-out costs, which aren't part of the builder price.
A quick way to sanity-check affordability
Most banks want your total EMI (this one plus any existing loans) to stay under roughly 40–50% of your monthly take-home income. For the EMIs above, that means a comfortable fit generally needs a household monthly take-home in the ₹2.5–5.5 lakh range depending on configuration, before accounting for any other loans you're carrying.
Want the actual numbers run for your situation?
Send me your target configuration, down payment amount, and preferred bank (if you have one), and I'll get you a real disbursement schedule instead of an estimate.