Buyer tools

Run the numbers before you call us.

Four calculators, no email gate. Move a slider and everything below it moves. Nothing is stored and nothing is sent unless you press send.

EMI, and where the money actually goes

Hover the chart to scrub year by year

Loan amount{{ amountLabel }}

Interest rate{{ rateLabel }}

Tenure{{ yearsLabel }}

{{ emiLabel }}Monthly EMI

{{ interestLabel }}Total interest

{{ totalLabel }}Total repaid

Balance outstanding Interest paid, cumulative

{{ scrubBalance }}Still owed

{{ scrubInterest }}Interest so far

{{ scrubPrincipal }}Principal cleared

Registration cost

What the government takes, on top of the price

Karnataka charges stamp duty on a slab, plus cess and surcharge on the duty, plus a registration fee on the value. It is computed on the higher of your agreement value and the government guidance value.

Chargeable value{{ dutyValueLabel }}

Indicative only. Slabs, cess and surcharge are set by the Karnataka Department of Stamps and Registration and change without notice — confirm on the Kaveri portal or with your advocate before you budget. Westline does not collect these charges.

What can I actually borrow?

Monthly income, net{{ incomeLabel }}

Existing EMIs{{ obligLabel }}

Serviceable EMI{{ maxEmi }}

Indicative loan{{ maxLoan }}

At {{ rateLabel }} over {{ yearsLabel }}, on a 50% income-to-EMI ceiling. Lenders differ; this is a planning number, not a sanction.

Rent, or buy?

Rent you pay now{{ rentLabel }}

Appreciation assumed{{ apprLabel }}

Rent paid over {{ yearsLabel }}{{ rentTotal }}

Owned asset, then{{ assetValue }}

Difference{{ diffLabel }}

Rent assumes 7% annual escalation. Ownership compares the asset value against total repayment plus registration. Appreciation is your assumption, not a Westline projection — we do not publish a forecast.

Send yourself these numbers, or send them to us.

We'll come back with the unit that fits the EMI you just set, and an honest view of what the bank will sanction.