AlphaDesk original

Every rupee, month by month, until the keys.

Builder slabs, pre-EMI interest, the rent you keep paying, the EMI that starts at possession — and what a delay really costs.

Cash out before keys

₹50 L

your money + interest + rent

Peak month

₹1.1 L

Apr 29 — EMI, rent & interest together

Full EMI from keys

₹1 L/mo

₹1.2 Cr loan · 20 years

Rent paid till keys

₹11 L

while you wait for the home

Your money, month by month

Pre-EMI interestRent you keep payingFull EMIMaintenance

Purple circles = lump sums you pay the builder from your own money (sized by amount). Bars = monthly outgo. Green dashed line = keys.

Own money you put in

₹30 L

20% of the price, paid first, before the bank releases

Pre-EMI interest

₹9.2 L

interest on released loan until keys — it doesn't reduce your loan

Every month of delay costs

₹1.2 L

rent + interest while you wait

Estimates: construction-linked slabs spread evenly, maintenance ≈ ₹4/sqft from keys, registration costs not included (see the Cost Sheet Decoder). Your bank's disbursal schedule and the builder's demand letters decide the real dates.

Money Timeline

The price is one number. The pain is in the timing.

Plan the months when rent, interest and EMIs overlap — before you sign.