Home Loan Eligibility Calculator

Home Loan Eligibility

Find out how much home loan you qualify for based on your income & obligations

🏦 Banks typically allow EMI up to 40–50% of net monthly income (FOIR) | Max LTV: 80-90% of property value
Income & Financial Profile
Gross Monthly Salary₹75,000
Other Monthly Income₹0
Existing Monthly EMIs (all loans)₹5,000
Interest Rate8.5%
Loan Tenure20 Yrs
FOIR Allowed by Bank50%
Loan Eligibility
Maximum Loan Eligibility
₹0
Based on your income & FOIR
Max EMI
₹0
Available EMI
₹0
Property Value (90%)
₹0
Down Payment (10%)
₹0
Total Interest
₹0
Total Repayment
₹0
FOIR Utilization60%
Eligibility at Different Tenures
Tips to Increase Loan Eligibility
📈
Add Co-applicant income: A working spouse or parent can significantly boost eligibility
💳
Close existing loans: Reducing existing EMIs directly increases your available EMI budget
⏱️
Extend tenure to 30 years: Longer tenure = lower EMI = higher loan eligibility
📊
Maintain CIBIL score 750+: Higher score unlocks better rates and higher loan amounts
📄
Show all income sources: Include rental income, business income, investments in ITR