Home Loan Eligibility Calculator
How much home loan can you get on your income?
Eligible home loan
₹43.21 L
Assumes lenders allow ~50% of net income towards EMIs. Actual home loan eligibility also depends on credit score, employer category and the property's value (LTV cap).
How home loan eligibility is decided
Lenders cap all your EMIs at roughly half your net monthly income (FOIR). This calculator reverses that rule for a home loan: from your free EMI capacity at 8.5% for 20 years, it derives the largest principal a lender can comfortably sanction. A co-applicant's income, fewer running EMIs and a longer tenure all raise the number.
Frequently asked questions
Why do different banks quote different home loan amounts?
Each lender uses its own FOIR band, minimum income norms and interest rate — and rates directly change what a given EMI can support. Treat this estimate as a realistic planning range and let us match you to the lender whose policy favours your profile.
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