Home Loan Interest Rate Change Calculator

See what happens when your home-loan rate rises or falls, and how much prepayment may offset the change.

Rate reset impact

—

Current EMI—

EMI to finish on same date—

Monthly EMI change—

If EMI is unchanged, new tenure—

Additional interest if EMI unchanged—

Prepayment to keep old EMI and tenure—

How to use this after a rate reset

If the lender keeps your EMI unchanged, the loan may run longer. If you want the original closure date, compare the revised EMI or the prepayment needed to offset the higher rate.

Read: increase EMI, extend tenure or prepay?Compare prepayment choices
For floating-rate loans, ask for the reset frequency, benchmark spread, revised amortisation schedule and available options to change EMI or tenure.

More useful loan tools

Prepayment: EMI or tenure Loan eligibility Balance transfer Flat vs reducing rate Shareable analysis Prepay vs invest Home-loan tax benefit Pre-EMI Card EMI vs personal loan Recurring prepayment EMI stress test Education moratorium Joint tax benefit Old vs new tax regime All calculators