NRI Home Loan EMI calculator

At a Glance

The DBS Treasures NRI Home Loan EMI calculator helps you understand how much monthly income you would need to be set aside for a potential home loan. The NRI home loan EMI calculator can be used multiple times to plan for different scenarios. The flexibility of repayment is vital as it always ensures your comfort while repaying the loan.

Home Loan EMI Calculator

Loan Details

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

(min 7%, max 14%)

(min 12, max 300)


Expected Results

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  • This is an Indicative Amount only and does not consider changes in interest rates during the loan tenure. 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. A calculator is only a tool that helps the user arrive at 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 using a 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 professional advice.

Frequently Asked Questions

What is meant by home loan EMI?

EMI stands for Equated Monthly Instalment. Home loan EMI is, therefore, the monthly instalment that a borrower must pay against the home loan. The loan is repaid as per a set amortisation schedule. The home loan EMI consists of the principal amount and (fixed or floating) interest component of the loan, which is repaid each month.

What is the loan amortisation schedule?

The home loan amortisation schedule is a table that outlines important aspects of the home loan. These aspects are the outstanding balance before each EMI is paid, the EMI to be paid, the amounts contributed towards principal repayment and interest repayment of the outstanding balance after each EMI is paid.

Why should I use an NRI home loan EMI calculator?

The main advantage of using the NRI home loan EMI calculator is that you can accurately plan and map out your income versus your ability to repay the loan you take. It helps you make an informed decision regarding repayment, which is critical for many first-time and experienced home buyers. The amount and interest rates can also be adjusted at will, opening up new possibilities for you to consider your final loan amount.

How can I use DBS Treasures' NRI home loan EMI calculator?

Using the NRI home loan EMI calculator is quite simple. Just enter the principal loan amount required, the rate of interest you would prefer to pay and a loan term you are comfortable with in the corresponding tabs in the calculator. Click on calculate and find out the exact EMI amount in the expected results tab. Suppose the EMI amount is above your budget. In that case, you can click on reset and enter different permutations and combinations in the tenure and interest rates sections to find an affordable EMI amount and plan your monthly budget accordingly.

How does part-payment impact EMIs?

Part-payment helps reduce the loan's outstanding balance amount, which further reduces the interest amount payable against it. If you pay off the loan by opting for part prepayment without reducing the EMI, you end up repaying the loan faster.