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Final Comparison: Five Health Calculators and Their Benefits 🔍 Final Comparison: Five Health Calculators and Their Benefits Tool Name Purpose / What It Measures Main Inputs Required Output / What The User Gets Key Health Benefits Sleep Cycle Calculator Calculates the optimal bedtime or wake-up time based on natural 90-minute sleep cycles Preferred wake-up time (or bedtime) ; average time to fall asleep Suggested bed/wake time aligned to end of a light sleep cycle Wakes user at lighter sleep stages → less grogginess, better energy and mood Hydration Water Intake Calculator Determines the ideal daily water intake Weight, gender, activity level, climate Personalized recommendation in liters or ounces of water per day Prevents dehydration, improves skin, energy, digestion and mental performance Life Expectancy Lost to Junk Food Calculator Estimates how much life expectancy is reduced due to unhealthy food consumption Type of junk food, frequency, quantity ...

Mortgage Calculator

Mortgage Calculator

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Results:

Monthly Payment: ₹0.00

Total Payment: ₹0.00

Total Interest: ₹0.00

📋 Key Information

• EMI = Principal Amount + Interest Amount

• Interest calculated monthly on reducing balance

• Typical Indian home loan rates: 8% - 12% p.a.

• Maximum loan tenure: 30 years

• Tax benefits under Section 24 (₹2 lakh) and 80C (₹1.5 lakh)

❓ Frequently Asked Questions

What is the minimum salary required for home loan in India?
Most Indian banks require: - Minimum ₹25,000 monthly income for salaried individuals - Stable income history for self-employed - Debt-to-income ratio below 50%
What are the processing charges?
Typically 0.5% to 1% of loan amount + GST: - SBI: 0.40% (min ₹10,000 + GST) - HDFC: 0.50% or ₹3,000 (whichever higher) + GST - Includes legal and technical verification
Can I get 100% home loan in India?
No, RBI guidelines allow: - Up to 90% for properties below ₹30 lakh - Up to 80% for properties above ₹30 lakh - 75% for commercial properties
How to reduce home loan interest?
Effective strategies: 1. Make prepayments when possible 2. Opt for shorter tenure 3. Maintain good CIBIL score (750+) 4. Negotiate with lender after 1 year

⚠️ Disclaimer: Calculator provides estimates only. Actual terms may vary between banks. Consult financial advisor before making decisions.

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