Real Estate
How Much Equity Do You Have?
Calculate your home equity from current value and remaining mortgage balance. See LTV ratio and HELOC potential.
In this article
Equity
Equity = current market value - loan outstanding। ₹80 लाख value, ₹30 लाख loan: ₹50 लाख equity। Indian property: appreciation 5-10%/year (city dependent)। Loan balance decreases with EMI। Both grow equity।
Loan Against Property
LAP: borrow against equity at 8-10% (vs personal loan 12-18%)। Up to 60-70% of property value। SBI, HDFC: competitive LAP rates।
⚡ CalcWolf Insight
The average American homeowner has approximately $300,000 in home equity as of 2025. However, 60% of that equity is concentrated in homeowners over age 55. For younger homeowners, accelerating mortgage payments by just $200/month can build $30,000-50,000 in additional equity over 10 years.
Frequently asked questions
How to calculate?▾
Market value - loan outstanding = equity।
LAP?▾
Loan against property: 8-10% (much cheaper than personal loan)। Up to 60-70% value।
✓ Math logic verified against primary sources
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