Home Loan Eligibility Calculator
Find out exactly how much home loan you qualify for based on your income, existing obligations, and preferred tenure.
Enter Your Details
Based on RBI's standard FOIR (Fixed Obligation to Income Ratio) of 40%. Actual eligibility may vary by bank.
Maximum Loan Eligibility
₹69.14 Lakhs
Based on your income and existing obligations
Monthly EMI
₹59,999
approx.
Total Interest Payable
₹74.86 Lakhs
over loan tenure
Total Amount Payable
₹1.44 Cr
principal + interest
FOIR Available
₹60,000
per month for EMI
Properties within your eligibility
Tips to Maximise Your Loan Eligibility
Close Existing Loans First
Reducing or eliminating existing EMIs directly increases your eligible loan amount under FOIR calculations.
Add a Co-Applicant
Adding a working spouse or parent significantly increases combined income and thus boosts eligibility by 30–60%.
Choose Longer Tenure
Extending tenure from 15 to 25 years reduces monthly EMI, increasing the eligible principal amount substantially.