calculate_home_affordability

Monthly home-loan EMI for a property value — EMI, total interest, principal-vs-interest split. Pure math, not financial advice.

Endpoint POST https://api.avnester.com/public/v1/calculate_home_affordability

Parameters

The most-used parameters. Full schema in the OpenAPI document.

Name	Type	Required	Description
propertyValue	number	required	Property value in INR.
loanAmount	number	optional	Loan amount in INR. Defaults to 80% of propertyValue.
interestRatePercent	number	optional	Annual interest rate. Defaults to the current market estimate.
tenureYears	number	optional	Loan tenure in years. Defaults to 20.

Worked example

# EMI on a ₹65L property at 80% LTV, 8.5%, 20 years

curl -X POST https://api.avnester.com/public/v1/calculate_home_affordability \
  -H 'Content-Type: application/json' \
  -d '{
       "propertyValue": 6500000,
       "interestRatePercent": 8.5,
       "tenureYears": 20
     }'

Response

{
  "inputPropertyValue": 6500000,
  "loanAmount": 5200000,
  "interestRatePercent": 8.5,
  "tenureYears": 20,
  "emi": 45127,
  "totalInterest": 5630480,
  "totalPayment": 10830480,
  "assumptions": { "defaultLtvPercent": 80, "actualLtvPercent": 80, "downPaymentAmount": 1300000, "interestType": "reducing-balance", "notALoanApproval": true },
  "attribution": "AVnester",
  "disclaimer": "..."
}

Rate limits

Anonymous

60/min

OAuth (Team)

600/min

Per-IP aggregate cap (across all tools): 60/min. OAuth registration lifts both the per-tool budget (10×) and removes the IP cap.

Common errors

400Invalid request body
Check required parameters and types. The error.message field will name the offending parameter.
429Rate limit exceeded
Back off until the time in the Retry-After header; or authenticate with OAuth for the 10× tier.

Next steps

→ Try calculate_home_affordability in the playground (no signup, anon tier)
→ Register an OAuth client (10× rate budget)
→ Browse the other 6 tools
→ Full schema in the OpenAPI spec