Mortgage Points Table: Cost of points by Loan amount
Reference table of cost of points for Mortgage Points across a range of loan amount values — exact, engine-computed figures you can read off at a glance.
Mortgage Points Calculator
Verified formula Updated Jun 2026 Private — runs on your device
Verified formula
Private
Cost of points
₹40,000
For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.
How to use the Mortgage Points Calculator
The Mortgage Points Calculator works out your cost of points in an instant. Enter loan amount and discount points and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.
- Enter the loan amount.
- Enter the discount points.
- Read off your cost of points — the calculator updates automatically, with no button to press.
Formula
The Mortgage Points Calculator uses the formula:
Cost of points = Loan amount × Discount points ÷ 100
Worked example
For example, with loan amount of ₹4,000,000 and discount points of 1, the cost of points is ₹40,000.
| Loan amount | ₹4,000,000 |
|---|---|
| Discount points | 1 |
| Cost of points | ₹40,000 |
|---|
Results are estimates for educational use, not professional advice.
Frequently asked questions
One discount point costs 1% of the loan amount and lowers your interest rate. One point on a 40,00,000 loan costs 40,000.
They pay off if you keep the loan long enough for the monthly savings to recover the upfront cost. Work out the break-even time.
It varies by lender, often around 0.25% per point. Ask your lender for the exact rate reduction.
No. Discount points buy down the rate, while origination points are a fee for processing the loan, even though both cost 1% per point.
The Mortgage Points Calculator uses the formula: Cost of points = Loan amount × Discount points ÷ 100. For example, with loan amount of ₹4,000,000 and discount points of 1, the cost of points is ₹40,000.
Enter the loan amount. Enter the discount points. Read off your cost of points — the calculator updates automatically, with no button to press.
Related guides
How to Calculate Mortgage Points: Formula, Steps & Examples
Learn how to calculate Mortgage Points — the formula explained step by step, with worked examples and a free calculator to check your answer.