Calculators · 4 min read · 20 Jun 2026
A simple EMI rule before you sign
FOIR, emergency buffer, and why the cheapest advertised rate is not always the cheapest loan.
Keep total EMIs, including the new loan, under 40–50% of take-home pay. Bangalore rents make the lower end wiser.
Processing fees, insurance add-ons, and a longer tenure can make a ‘lower rate’ more expensive in rupees.
Run the EMI and prepayment calculators with your real surplus, not the maximum the bank will allow.
Keep 3–6 months of EMIs in a liquid account before you take a housing loan.
