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Tenure is the expensive decision
Stretching ₹8 lakh from 36 to 60 months drops the EMI by about ₹8,000 but adds roughly ₹1.2 lakh in interest. The monthly number feels better and the total is materially worse.
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Move three sliders. See the monthly payment, the total interest, and what the tenure is really costing you.
Interior projects are usually financed with a personal or home-improvement loan at 11–18% annual interest over 12 to 60 months. On a ₹8 lakh project at 13.5% over 36 months, the EMI is roughly ₹27,100 and total interest is about ₹1.76 lakh. Longer tenures lower the monthly payment and raise the total cost.
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Indicative only. Your actual rate depends on the lender, your credit profile and any processing fee, which is not included above.
None of these are in the brochure.
Stretching ₹8 lakh from 36 to 60 months drops the EMI by about ₹8,000 but adds roughly ₹1.2 lakh in interest. The monthly number feels better and the total is materially worse.
Typically 1–2% of the loan, deducted upfront. On ₹8 lakh that is ₹8,000–₹16,000 you never see. Always compare offers on total cost, not on the advertised rate.
Some lenders charge 2–4% to close early. If there is any chance of a bonus or a maturing deposit paying this off, a zero-prepayment-penalty loan is worth a slightly higher rate.
Existing customers with a salary account frequently get better rates than any partner introduction. Take our lender quote and go and beat it — we would rather you paid less interest.
Work out the project cost before you work out the EMI.
Open the calculatorLenders, documents and what actually gets approved.
Read the guideInterior and home-improvement loans in India typically run 11% to 18% depending on your credit profile, whether the loan is secured, and the lender. Anything advertised well below 11% is usually a short teaser period or carries a large processing fee.
Most lenders fund 70–90% of the project value, so plan for a down payment. Some brands offer no-cost EMI on a portion of the scope, which is generally the modular furniture rather than civil work.
No. It lowers the monthly payment and increases the total interest. Move the tenure slider above and watch total interest climb — a 60-month tenure typically costs 60–70% more interest than a 36-month one.
The interest is usually built into the price or absorbed as a discount the lender funds. It can be genuinely good value — just compare the no-cost EMI price against the cash price before assuming it is free.
We work with lending partners and can introduce you, but we are not a lender and we do not earn on the rate you get. Compare what we introduce against your own bank; often your existing bank offers better terms to an existing customer.
Price the project first. Financing a scope you have not fixed is how budgets drift.
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