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Home Loan Eligibility Calculator

Estimate the home loan amount banks may offer you based on your income and existing EMIs, and the down payment you will need.

Runs in your browser. Nothing is uploaded Free, no sign-up Works on mobile
₹
1 Lakh · Take-home salary, plus co-applicant income if any
₹
%
years
%
Banks usually allow 40–60% depending on income
₹
Estimated loan eligibility
₹57.62 L
₹57,61,542
EMI for this loan
₹50,000
Maximum EMI you can afford
₹50,000

Lenders also look at your credit score, age, job stability and the property. This is an estimate.

How to use Home Loan Eligibility Calculator

  1. Enter your net monthly income (add a co-applicant’s income to increase eligibility).
  2. Enter EMIs you already pay.
  3. Enter the interest rate and tenure.
  4. Optionally enter the property value to apply RBI loan-to-value limits.

Frequently asked questions

How much home loan can I get on a ₹50,000 salary?

With a 50% FOIR, 8.5% interest and a 20-year tenure, you can afford an EMI of ₹25,000, which supports a loan of about ₹28.8 lakh, if you have no other EMIs.

What is FOIR?

FOIR (fixed obligation to income ratio) is the share of your monthly income that can go towards all EMIs. Banks usually allow 40–60%, higher for higher incomes.

How much down payment is needed?

RBI allows banks to lend up to 90% of the property value for loans up to ₹30 lakh, 80% up to ₹75 lakh and 75% above that. You pay the rest plus stamp duty and registration.

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