DHFL Loan Against Property EMI Calculator

Lowest EMI on DHFL Loan Against Property - Rs. 1,200 per lakh

Last Updated 22nd Mar 2017
Loan Tenure
Loan Amount (Rs.) 7 years 10 years 15 years
2,500,000 Rs. 44,132 Rs. 35,868 Rs. 30,004
5,000,000 Rs. 88,264 Rs. 71,735 Rs. 60,008
7,500,000 Rs. 132,396 Rs. 107,603 Rs. 90,013
10,000,000 Rs. 176,527 Rs. 143,471 Rs. 120,017

Check DHFL Loan Against Property EMI for a loan amount and tenure

DHFL Loan Against Property EMI Calculator
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  • Loan Against Property EMI (or equated monthly instalment) is a fixed amount of money you pay DHFL towards repayment of your property loan every month on a fixed day of the month till your loan is fully paid back.
  • With DHFL now offering loan tenure upto 18 years at attractive interest rates starting is 12.00%, your EMI can be as low as Rs. 1200 per Rs. one lakh loan amount.
  • The Loan Against Property EMI comprises of both principal repayment and interest payment. While the EMI amount remains constant, the interest component of keeps reducing and the principal component keeps increasing, except in case of an increase in interest rate on the loan.
Use the above quick and easy tool to easily calculate and compare monthly EMI on DHFL Loan Against Property.

Will the DHFL Loan Against Property EMI remain constant or change in future? What happens in case of increase or decrease in interest rate?

  • Typically, the Loan Against Property EMI remains unchanged unless the customer requests for a change and the same is approved by DHFL subject to its eligibility conditions (note that nominal charges may apply for effecting a customer initiated change in EMI).
  • In case the floating rate of interest on your loan increases, DHFL will typically keep the EMI constant but increase the loan tenure. So, you will pay the same EMI but for a longer duration. In case the interest rates increase to an extent that the revised loan tenure is more than the maximum permissible by DHFL, the bank may increase your EMI amount.

Will Loan Against Property EMI change in case of prepayment?

  • When you make a prepayment, the outstanding principal amount on your property loan reduces. You may choose to either keep the EMI the same and reduce the loan tenure (enabling you pay off the loan faster) or reduce the EMI and keep the loan tenure unchanged (thus paying lesser amount every month). It is beneficial to keep the EMI constant and reduce the loan tenure as you pay less interest to the bank in this option.
  • Note that DHFL may levy prepayment charges except on floating rate property loans sanctioned to individuals.

How does Loan Against Property EMI calculator calculate Loan Against Property EMI?

  • EMI is calculated using a combination of loan amount, loan tenure and interest rate.
  • EMI is calculated on a reducing balance basis and assuming payment of EMI in arrears (that is interest is charged for the month preceding the date of EMI payment on EMI date) and not in advance.
DHFL Loan Against Property EMI Calculator News - Mar 2017
17th Jan 17 DHFL net profit increases by 38 percent in third quarter of FY 17
DHFL has registered an increase of 38 percent in its net profit at Rs 244 crore for the third quarter ending on 31st December, 2016 as compared to Rs. 185 crore in the corresponding period a year ago. The growth in profit has been contributed by a healthy growth in loan sanctions and disbursements as well as improved revenue and interest margin.
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