Calculator
Home Loan Eligibility Calculator
An indicative view of the loan amount your income profile may support, before you speak to a lender.
Indicative eligibility
₹46.09 L
₹46,09,234
This is an indicative estimate based on a common income-to-EMI assumption. Actual eligibility depends on your credit history, employment profile, age, property valuation and the lender's prevailing policy.
Understanding The Result
How eligibility is assessed
Lenders work backwards from how much of your income can safely service EMIs.
A common approach is the Fixed Obligation to Income Ratio (FOIR): a share of your net monthly income that all EMIs together may consume. This calculator assumes 50% and subtracts your existing EMIs, then converts the remaining capacity into a loan amount at the rate and tenure you select.
Lenders also cap the loan as a percentage of the property value, so the final amount is the lower of your income-based eligibility and the property-based limit. Credit history, age, employment type and the technical and legal assessment of the property all influence the outcome.
What can improve eligibility
- Adding an earning co-applicant to the application
- Closing or reducing high-EMI short-term loans before applying
- Maintaining a consistent repayment record on existing credit
- Choosing a longer tenure, where age and policy permit
- Documenting all sources of income properly, including variable pay
Want your eligibility confirmed properly?
An indicative number is a starting point. A short conversation about your income, obligations and property gives you a realistic figure to plan with.