Work out what you can actually afford
Four calculators built for Maharashtra, not borrowed from an American template. Stamp duty uses the real Pune and PCMC rates, including the metro cess and the concession for a sole female buyer.
Home loan EMI
What the monthly instalment actually comes to, and how much of it is interest.
- Monthly EMI
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- Total interest paid
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- Total repayment
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Know your EMI. Now see the homes it actually buys in Pune and PCMC.
See Homes You Can AffordHow much home can you afford
Works backwards from income to a realistic property budget, the way a lender does.
Uses 45% of net income as the ceiling for all EMIs combined — the conservative end of what lenders allow.
- Property budget
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- Indicative loan eligibility
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- EMI this assumes
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That is your budget. Here is what genuinely fits it.
Find Properties Within My BudgetStamp duty and registration
Maharashtra rates, applied properly — including the 1% metro cess inside PMC and PCMC limits, and the 1% concession for a sole female buyer.
Registration is 1% of agreement value, capped at ₹30,000. Rates change in state budgets — confirm before you pay.
- Stamp duty + registration
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- Stamp duty rate applied
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- Stamp duty
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- Registration charge
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- Agreement value + charges
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Want the true all-in cost on a specific project, including GST and floor rise?
Request Cost SheetRent versus buy
Twenty years of rent against twenty years of EMI, with the asset you end up owning.
Assumes rent rises 5% a year. Ignores tax benefits, maintenance and society charges — treat it as a direction, not a decision.
- On these numbers
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- Monthly EMI
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- Total paid if you buy
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- Total paid if you rent
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- Property value after tenure
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If buying wins, the next question is where. That is what we are for.
Explore Investment OptionsYou have looked at a few properties.
Want us to shortlist the best three for you?
An advisor picks three that genuinely fit — and tells you which one they would choose, and why. No cost, no obligation.
Requirement received
An Alpha Homes advisor is reviewing your requirement and will be in touch.
Your reference —
We respond Tuesday – Sunday, 10:00 AM – 7:00 PM.
About these numbers.
Is stamp duty in Pune 5% or 6%?
Within municipal limits (PMC and PCMC) the total is 6% — 5% stamp duty plus a 1% metro cess. Outside municipal limits the metro cess does not apply, so it is 5%. A sole female buyer gets a 1% concession. Registration is 1% of the agreement value, capped at ₹30,000.
How much home loan can I get on my salary?
Most lenders work to roughly 45–50% of net monthly income going to all EMIs combined, including any existing loans. The affordability calculator uses 45%, which is the conservative end. Your actual sanction depends on credit score, employer category, age and the property itself.
Do these calculators account for GST?
No. GST applies to under-construction property (currently 1% for affordable and 5% otherwise, without input credit) and not to ready possession with a completion certificate. Ask an advisor for the all-in number on a specific project — that is where the real differences show up.
Are these figures binding?
No. They are indicative and for planning only. Interest rates, cess and concessions change. Nothing here is financial advice — Alpha Homes is a property advisory firm, not a lender or a financial adviser.
Numbers are the easy part. Choosing the right project is not.
Tell us the budget these calculators produced and an advisor will come back with options that genuinely fit it.