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Down Payment Calculator
Calculate your down payment
See the EMI for this loan amount on the EMI Calculator.
Down payment required
₹12,00,000Loan amount: ₹48,00,000
How this is calculated
Given a property price and either a loan-to-value percentage or a desired loan amount, this calculator works out the remaining amount you'd need to pay upfront as a down payment — simply the property price minus the loan amount.
This doesn't include one-time costs like stamp duty and registration, which are separate from the down payment itself.
Frequently asked questions
What is loan-to-value (LTV)?
LTV is the loan amount as a percentage of the property's price. An 80% LTV on a ₹60 lakh property means an ₹48 lakh loan and a ₹12 lakh down payment.
What LTV do lenders usually offer?
Many lenders offer up to 75-90% LTV depending on the loan amount and property value, meaning a down payment of roughly 10-25% is typical — but this varies by lender and borrower profile.
Does the down payment cover everything I need upfront?
No — you'll also typically need to budget separately for stamp duty, registration charges, and other one-time costs, which aren't included in the down payment itself.
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