Smart Home Savings for 20 Years


Smart home	Terms
Tenor	240 months
Rate	9.00%

Loan amount (Rs.)	10 lacs	20 lacs	30 lacs	40 lacs	50 lacs
EMI - Smart Home (Rs.)	9,109	18,217	27,326	36,434	45,543
Savings1 (Rs.)	3,000	4,000	5,000	6,000	7,000
Savings2 (Rs.)	5,000	8,000	10,000	15,000	20,000
Savings3 (Rs.)	7,000	10,000	15,000	20,000	25,000

Rs. 10 lacs	Savings1	Savings2	Savings3
Monthly excess (Rs.)	3,000	5,000	7,000
Tenor reduced by (months)	109	137	155
Interest savings (Rs.)	5,77,986	7,19,290	8,04,482

Rs.20 lacs	Savings1	Savings2	Savings3
Monthly excess (Rs.)	4,000	8,000	10,000
Tenor reduced by (months)	87	125	137
Interest savings (Rs.)	9,28,224	13,17,483	14,38,579

Rs.30 lacs	Savings1	Savings2	Savings3
Monthly excess (Rs.)	5,000	10,000	15,000
Tenor reduced by (months)	78	115	137
Interest savings (Rs.)	12,44,229	18,23,284	21,57,869

Rs.40 lacs	Savings1	Savings2	Savings3
Monthly excess (Rs.)	6,000	15,000	20,000
Tenor reduced by (months)	72	121	137
Interest savings (Rs.)	15,48,442	25,63,201	28,77,157

Rs.50 lacs	Savings1	Savings2	Savings3
Monthly excess (Rs.)	7,000	20,000	25,000
Tenor reduced by (months)	69	125	137
Interest savings (Rs.)	18,47,206	32,93,708	35,96,446

Disclaimer : These tables are based on current rates quoted which are subject to change and which may not apply to your loan. The computation in this document is based on simulated figures and a number of underlying assumptions. This document is for illustrative purposes only and should not be relied upon when making individual decisions on your home loan package. Please consult your Mortgage Sales Manager to ensure that you receive complete information on the options available to you. All loans at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India

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