Market Stress Test

What if the market turns? Test your property deal against crisis scenarios — low rent, rising rates, high vacancy. Know before you buy.

Choose Scenario ?Base = realistic normal market. Conservative = slower growth, higher vacancy. Aggressive = optimistic growth, lower costs.

Monthly Rent (₹) ?Starting net rent before vacancy adjustment. The model applies your vacancy % to get effective rent.

Loan Amount (₹)

Annual Interest Rate (%)

Loan Tenure (Months)

Vacancy Rate (%) ?% of time the property sits empty with no rent. 5% = about 18 days per year vacant.

Rent Growth (% p.a.)

Terms Used on This Page

Stress Test — simulating worst-case conditions to see if the deal still makes sense

Vacancy Rate — percentage of the year the property sits empty with no rental income

Rent Shock — a sudden drop in rent (e.g. -10% or -20%) due to market conditions

Rate Shock — a sudden rise in loan interest rate (e.g. +1% or +2%) by the bank

Net Monthly Outflow — how much extra money you need each month beyond what rent covers

EMI — Equated Monthly Instalment: your fixed monthly loan repayment to the bank

Base Scenario — the realistic, most likely market conditions used as starting assumption

Conservative Scenario — assumes slower growth, higher vacancy, more costs — a cautious view