Home Loan EMI Calculator

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At a Glance

Are you looking to finance your new home? Calculate how much Equated Monthly Instalments (EMIs) you might have to pay with the DBS Treasures home loan EMI calculator. With this easy to use online calculator, get an approximate value of monthly loan instalments in just a few seconds and plan your other expenses smartly.

Loan Details

(min Rs. 11,00,000 max Rs. 5,00,00,000)

(min 6.5%, max 14%)

(min 12, max 300)


Expected Results


  • This is an Indicative Amount only and does not consider changes in interest rates during the tenure of the loan. Interest Rate applied on the loan will depend on the prevailing rates at the time of Loan Booking.
  • Results generated by the calculator are indicative in nature. The Calculator is not intended to provide its user with results that are either certified by the Bank or are an obligation, assurance, warranty, undertaking or commitment of the Bank, under any circumstances. The Calculator is only a tool that assists the user arrive at results of various illustrative scenarios generated from data input by the user. The Bank is not responsible for any reason, for any errors in any outcome resulting from the use of calculator. The use of the calculator is entirely at the risks of the user. Results from the use of the calculator are not intended to be a substitute for financial statements and certificates and/or professional advice.

Knowing a Loan EMI

If you apply for a home loan, you will have to pay it off in monthly EMIs until it is fully repaid. The EMIs are calculated based on the principal amount, interest rate and tenure. You can get tax benefits on both the principal and the interest.

Once DBS Treasures approves your home loan application, you will have to set up standing instructions to debit your EMI automatically from a DBS Bank account. The process is entirely paperless and takes only a few minutes.

Your EMI becomes a considerable part of your expenses, which is why it helps to have an idea beforehand.

Planning for a suitable EMI

With the DBS Treasures online home loan EMI calculator, you can try combinations with each component. For example, if you are looking to pay off your loan early, you can type out a shorter loan tenor. Similarly, you can choose a rate between 6.5% and 10% per annum to see how your EMI amount will change. You can also experiment with the loan amount requirement. What you do need to keep in mind is the amount from the calculator is an estimate that will help you plan your monthly outgoings.

Now that you have an idea about your home loan EMI amount get started with your DBS Treasures Home Loan application. You will get attractive interest rates, special processing fees and a dedicated mortgage specialist with DBS Treasures.

How to Apply

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Frequently Asked Questions

Is a lower EMI or a lower tenure a smarter choice for a home loan?

The home loan EMI calculator helps customers find the right EMI for them. A longer tenure may lower the EMI, but the interest payable may also increase. Shorter tenures ensure that the loan is closed quickly. So depending on your financial planning and preference, you can choose between a lower EMI or a lower tenure.

Why should a home loan calculator be used before applying for the loan?

A home loan EMI calculator helps to explore the various interest rate and tenure options that are critical for potential homeowners to explore their repayment capacity.

Can a home loan calculator also be used to predict interest rate fluctuations?

Yes, a home loan EMI calculator can be used to factor in various tenures and interest rates, thus allowing potential homeowners to plan their purchase better while accounting for fluctuations in the interest rates.