# Down Payment Calculator

Source (interactive calculator): https://hyderabadhomeloans.com/home-loan-down-payment-calculator/

Work out the cash you need before you buy: your down payment plus stamp duty, registration and GST in Telangana.

The bank never funds the full price of a home. Your down payment is the part of the price the loan doesn’t cover — and on top of it you pay stamp duty, registration and, for under-construction homes, GST. This calculator adds it all up.

## How much the loan covers

- Up to 90% of the property value for loans up to ₹30 lakh
- Up to 80% for loans of ₹30–75 lakh
- Up to 75% for loans above ₹75 lakh

These are RBI loan-to-value limits. Stamp duty and registration charges are not financed for homes above ₹10 lakh, so they must come from your own funds.

## Costs in Hyderabad

- Stamp duty 4% + transfer duty 1.5% + registration fee 0.5% — about 6% of the market value or sale price, whichever is higher, in urban Telangana
- GST on under-construction homes: 5% (1% for affordable housing); none on ready homes with an occupancy certificate
- Other costs to budget: legal checks, society deposits, interiors and moving

Charges can change — confirm the current rates on the Telangana registration portal or with your builder before you pay.

## FAQs

### Is a bigger down payment better?

It lowers your EMI and total interest, but don’t use up your emergency fund. Keep a few months of expenses aside.

### Can I pay the builder before the loan is sanctioned?

Most buyers pay a booking amount from their own funds. Get the loan sanctioned before paying large instalments, so you know exactly how much LIC HFL will fund.

### Does LIC HFL finance stamp duty and registration?

Not for homes above ₹10 lakh — RBI rules exclude them from the property value used to size the loan.



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Hyderabad Home Loans — authorised DSA of LIC Housing Finance Ltd since 2002. Free eligibility check: https://hyderabadhomeloans.com/. Phone / WhatsApp +91-8886249998.