Dream Home Planning
Turn Your Dream Home into Reality – With Smart Planning
Buying a home is one of the most significant financial decisions you'll make. Create a comprehensive strategy to save for your down payment, manage home loan requirements, and make informed decisions about property investment.
Calculate Your Home Purchase Plan
Adjust the parameters below to see your down payment requirement and investment plan
Monthly SIP Required
₹12,576
Down Payment
₹10,00,000
Loan Amount
₹40,00,000
Estimated EMI*
₹34,713
*8.5% for 20 years
Down Payment Fund Growth Projection
Total Cost of Home Purchase
Understanding all costs involved in buying a home
Property Price
Base property cost
Registration & Stamp Duty
State government charges
GST (if applicable)
For under-construction properties
Legal & Documentation
Legal verification and paperwork
Our Home Planning Process
A systematic approach to help you achieve your dream home goal
Define Your Dream Home
Identify your home requirements - location, size, type (apartment/villa), amenities, and approximate budget. Consider future needs and family growth.
Assess Financial Readiness
Evaluate your current savings, income stability, existing loans, credit score, and ability to service home loan EMIs comfortably.
Calculate Down Payment Requirement
Determine the down payment amount (typically 10-20% of property value) and create a savings plan to accumulate this corpus.
Plan EMI Affordability
Calculate affordable EMI based on your income and existing commitments. Ensure your home loan EMI doesn't exceed 40% of monthly income to maintain financial stability.
Create Investment Plan
Set up systematic investments (SIPs) in mutual funds or other instruments to build down payment fund over the desired timeline.
Optimize Tax Benefits
Maximize tax benefits through Section 80C investments, Section 24 home loan interest deduction, and Section 80EE first-time homebuyer benefits.
Comprehensive Home Planning Services
Everything you need to plan and finance your dream home purchase
Down Payment Planning
Strategic savings plan to accumulate the required down payment (10-20% of property value) through systematic investments over 3-7 years
Systematic Investment Strategy
Customized SIP strategy across equity, debt, and hybrid funds to build your home fund systematically with optimal asset allocation based on timeline
EMI Planning & Affordability
Calculate affordable EMI based on income, existing commitments, and financial goals. Ensure EMI doesn't exceed 40% of monthly income
Property Cost Estimation
Complete cost analysis including property price, registration, stamp duty, GST, legal fees, and other associated costs
Tax Benefits Optimization
Maximize tax benefits through Section 80C (principal repayment), Section 24 (interest deduction), and Section 80EE (first-time buyers)
Investment Strategy for Home Fund
Customized investment portfolio with appropriate asset allocation (equity-debt mix) based on timeline and risk profile
Why Plan Your Home Purchase?
Avoid Financial Stress
Plan your home purchase without disrupting your emergency fund or compromising other financial goals
Maximize Tax Benefits
Optimize tax savings through Section 80C, Section 24, and Section 80EE benefits, saving ₹50K-₹1L+ annually
Affordable EMI Planning
Ensure your home loan EMI is comfortable and doesn't exceed 40% of income, maintaining financial stability
Complete Cost Awareness
Understand all costs including registration, stamp duty, GST, and hidden charges for accurate budgeting
Optimal Down Payment
Balance between higher down payment (lower EMI) and maintaining liquidity for other needs
Long-Term Wealth Building
Home ownership builds equity over time and serves as a valuable asset in your wealth portfolio
Frequently Asked Questions
Common questions about home purchase planning
Most banks require 10-20% down payment for home loans. For properties above ₹75L, typically 20% down payment is required. For properties below ₹75L, you can get loans up to 90% (10% down payment). However, a higher down payment (30-40%) reduces your EMI burden and total interest cost. We help you determine the optimal down payment amount based on your financial situation and goals.
Home loan eligibility depends on your income, age, credit score, existing loans, and property value. Generally, banks offer loans up to 60-80 times your monthly income. Your total EMI (including home loan) should not exceed 40-50% of your monthly income. For example, if your monthly income is ₹1L, your total EMI capacity is ₹40-50K. We help you plan your finances to ensure you can comfortably afford the EMI while maintaining your other financial goals.
Home loans offer significant tax benefits: 1) Section 24: Interest deduction up to ₹2L per year (₹3.5L for self-occupied property), 2) Section 80C: Principal repayment deduction up to ₹1.5L per year, 3) Section 80EE: Additional ₹50K interest deduction for first-time homebuyers (property value < ₹50L, loan < ₹35L). These benefits can save you ₹50K-₹1L+ in taxes annually. We help you maximize these benefits through proper planning.
The decision depends on multiple factors: your financial readiness (down payment, EMI affordability), property prices in your area, interest rates, job stability, and personal circumstances. Generally, if you have stable income, can afford the down payment, and plan to stay in the city for 5+ years, buying makes sense. However, if prices are at peak or you're uncertain about location, waiting might be better. We help you analyze your specific situation to make an informed decision.
Typically, 3-7 years is a good timeline for accumulating home down payment. For a ₹50L property with 20% down payment (₹10L), investing ₹10-15K monthly for 5 years at 11% returns can help you reach the goal. Longer timelines (7-10 years) allow smaller monthly investments but delay home purchase. Shorter timelines (1-3 years) require larger monthly investments. We help you determine the optimal timeline based on your income and savings capacity.
Total cost includes: 1) Property price (100%), 2) Registration & stamp duty (5-7% of property value), 3) GST for under-construction properties (1-5%), 4) Legal & documentation (1-2%), 5) Home loan processing fees (0.5-1%), 6) Interior and furnishing (optional, 10-20%). For a ₹50L property, total cost can be ₹55-60L including all charges. We provide detailed cost breakdowns to help you plan accurately.
Yes, but consider the implications. Liquidating equity investments before their goal timeline can result in suboptimal returns and tax liability (capital gains). If home purchase is a priority, we help you plan the withdrawal strategy, considering tax implications and opportunity costs. Ideally, create a separate home fund rather than disrupting long-term investments. However, if you have surplus funds with no better use, using them for down payment makes sense.
Ready to Own Your Dream Home?
Get a free, personalized home purchase plan with down payment strategy, loan eligibility assessment, EMI planning, and tax optimization. Start your journey to homeownership today.
