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import math
def loan_emi(amount, duration, rate, down_payment=0):
    loan_amount = amount - down_payment
    emi = loan_amount * rate * ((1+rate)**duration) / (((1+rate)**duration)-1)
    emi = math.ceil(emi)
    return emi
emi1 = loan_emi(
    amount=1260000, 
    duration=8*12, 
    rate=0.1/12, 
    down_payment=3e5
)
emi1
14568
cost_of_house = 800000
home_loan_duration = 6*12 # months
home_loan_rate = 0.07/12 # monthly
home_down_payment = .25 * 800000

emi_house = loan_emi(amount=cost_of_house,
                     duration=home_loan_duration,
                     rate=home_loan_rate, 
                     down_payment=home_down_payment)

emi_house
10230