Property Investment & Financing Dashboard

Pune, India Property - Construction Linked Payment Analysis

Property Details

Property Value: ₹73,31,924
Location: Pune, India
Conversion Rate: 1 EUR = ₹102
Note: A slightly lower rate is used to offset conversion charges

Loan Details

Loan Amount: €73,000 (₹74,46,000)
EMI: €1,434.87 (₹1,46,357)
Total Payable: €86,092.20 (₹87,81,404)
Total Interest: €13,092.20 (₹13,35,404)
Source: Netherlands

Initial Payments Made

10% Payment: ₹7,33,192
20% Payment: ₹14,66,385
Total Initial Paid: ₹21,99,577
Available for FD: ₹52,46,423

Investment Analysis

Total FD Interest: ₹0
Loan Interest Cost: ₹13,35,404
Net Benefit: ₹0

Construction Linked Payment Plan

Construction Stage Percentage (%) Amount (INR) Start Date End Date FD Rate (%) Bank Name FD Interest Earned FD Maturity Value Notes
Total 100 ₹73,31,924 ₹0 ₹0

Strategy Notes

Investment Strategy:

After making the initial 10% and 20% payments from the loan, the remaining amount is invested in Fixed Deposits. The FD interest earnings help offset the loan interest costs.

Key Assumptions:

  • EUR to INR conversion rate: 102 (slightly lower to account for conversion charges)
  • FD rates are current market rates and subject to change
  • Simple interest calculation used for FD earnings
  • Dates can be adjusted based on actual construction progress

Disclaimer:

This is a planning tool. Actual rates, dates, and amounts may vary. Please consult with financial advisors for final decisions.