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Sell & buy calculator
Selling your home to buy a bigger one? See what you'll take home, what the new flat really costs, and the gap you need to fund.
1 The flat you're selling
Current market value₹1.50 Cr
Outstanding home loan₹0
You bought it for₹80 L
Years held8 yrs
Brokerage on sale1%
2 The flat you're buying
Agreement value₹2.50 Cr
Parking₹5 L
Interiors₹10 L
3 Loan for the gap
Interest rate8.5%
Tenure20 yrs
4 Time between the two deals
Overlap / waiting period4 months
Rent if you sell first₹1.00 L
Bridge loan rate11%
Selling first means renting and moving twice (we add ₹1.5 L for two moves + deposit interest). Buying first means a bridge loan on your take-home until your flat sells.
Which order should you do it in?
Sell first, then buy
—
- No bridge loan needed
- Rent for 2–4 months in between
- Stronger position as a cash buyer
- Risk: prices may rise while you search
Buy first, then sell
—
- No rental, move only once
- Need bridge loan or savings for the overlap
- Risk: your flat may take longer to sell
- More money tied up during the overlap
