संदर्भ 1
- Property मूल्य
- INR 75 L
- LTV
- 60%
- कालावधी
- 15 वर्षे
- Typical use case
- Basic retirement supplement
फायनान्स आणि टॅक्स
Reverse Mortgage कॅल्क्युलेटर
अंदाज घ्या मासिक reverse mortgage payout, eligible कर्ज रक्कम, आणि accumulated debt for senior citizens वापरून property मूल्य, LTV, कालावधी, आणि bank दर.
फॉर्म्युला स्पष्टीकरण
Eligible loan = property value x LTV; Monthly payout = loan x r / ((1 + r)^n - 1)Reverse mortgage payouts are estimated like a reverse annuity: bank disburses मासिक amounts while व्याज accumulates on outstanding कर्ज balance.
पायरी-पायरीने उदाहरण
- 1गणना करा eligible कर्ज from property market मूल्य आणि कर्ज-to-मूल्य ratio.
- 2Convert bank व्याज दर to मासिक दर.
- 3Use reverse annuity सूत्र to अंदाज घ्या टॅक्स-free मासिक payout.
- 4Project accumulated debt at कालावधी end from all payouts compounded at bank दर.
संदर्भ
बेंचमार्क तालिका
आम परिदृश्यों की जल्दी तुलना करें। छोटे स्क्रीन पर क्षैतिज स्क्रॉल करें।
संदर्भ 2
- Property मूल्य
- INR 1.5 Cr
- LTV
- 60%
- कालावधी
- 15 वर्षे
- Typical use case
- Urban senior cash flow
संदर्भ 3
- Property मूल्य
- INR 2 Cr
- LTV
- 70%
- कालावधी
- 20 वर्षे
- Typical use case
- Higher payout, larger debt
संदर्भ 4
- Property मूल्य
- INR 50 L
- LTV
- 50%
- कालावधी
- 10 वर्षे
- Typical use case
- Short conservative payout
नेहमी विचारले जाणारे प्रश्न
Reverse mortgage कर्ज disbursements are generally treated as कर्ज receipts, not taxable income, but users should verify सह a टॅक्स advisor.
It is typically available to senior citizens owning a self-occupied residential property, subject to bank policy आणि property valuation.
Heirs may repay कर्ज आणि retain property, किंवा lender may recover dues through sale as per कर्ज terms.
Because bank must account for व्याज accumulation over time आणि keep एकूण debt within eligible property-backed कर्ज limit.
Estimated मासिक payout
₹23,783.99