Free Tool

Home Loan Eligibility Calculator

Estimate how much home loan you qualify for based on your income, existing EMIs, rate and tenure.

₹1,00,000
₹0
8.50%
20 years

Eligible Loan Amount

₹57.6 Lakh

At 8.50% for 20 years (FOIR 50%)

Max Affordable EMI₹50,000
Monthly Income₹1,00,000
Existing EMIs₹0
Adding a co-applicant's income can significantly increase your eligible loan.

Home Loan Eligibility FAQ

Lenders typically allow your total EMIs (existing + new) to be 40-55% of your monthly income — the FOIR. On a ₹1 lakh income with no other EMIs, you can usually service a ₹45,000-50,000 EMI, supporting roughly a ₹50-60 lakh loan over 20 years.

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Important disclaimer: Results are indicative only and provided for informational purposes. They do not constitute financial, legal or investment advice. Eligibility uses a 50% FOIR assumption. Banks also assess credit score, employment, age and property valuation. Actual figures may vary based on lender policies, government rates and individual circumstances. Always consult a qualified advisor before any financial commitment. Data accurate as of May 2026. Read full disclaimer.

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