Home Loan Eligibility Calculator

Runs in your browserCalculators#Finance#Real Estate

How much home loan your income supports, and the home price your savings allow under RBI limits.

Your net monthly income

₹1 lakh. Take-home pay after tax and PF.

Co-applicant's net monthly income

Optional, for example a spouse applying with you.

Existing EMIs

Car, personal and other loans you are still paying.

Interest rate

Tenure

Up to 30 years. Banks usually want the loan repaid by the time you are 60 to 70.

FOIR: share of income all EMIs may take (50%)

Banks often allow 40% to 65%, more for higher incomes.

Your savings for the purchase

₹15 lakh. Pays the down payment, stamp duty and registration.

Stamp duty and registration

Varies by state, often 5% to 8%.

Home loan you may be eligible for₹46,09,233₹46.09 lakh, with an EMI of up to ₹40,000 a month for 20 years.

EMIs allowed at 50% FOIR: ₹50,000
Minus existing EMIs: −₹10,000
EMI left for the home loan: ₹40,000

Home price you can buy: ₹57,63,000₹57.63 lakh, with ₹15,00,000 of savings
Home loan: ₹46,09,23380% of the price
Down payment: ₹11,53,767
Stamp duty and registration (6%): ₹3,45,780
Cash you need: ₹14,99,547

Your income sets the loan. RBI caps a loan at 90% of the price up to ₹30 lakh, 80% up to ₹75 lakh and 75% above, so the rest comes from your savings.

An estimate: each bank also looks at your age, credit score, job and the property.

How to use, limits & privacy

About Home Loan Eligibility Calculator

Estimate how big a home loan you can get in India and what price of home you can buy. It uses the FOIR method banks use to cap your EMIs, your interest rate and tenure, the RBI loan-to-value limits and your own savings, and adds stamp duty and registration to show the total cash you need. It runs in your browser.

How to Use

Enter your income and EMIs

Type your net monthly take-home pay, a co-applicant's income if you apply together, and the EMIs you already pay.

Set the loan terms

Enter the interest rate and tenure (up to 30 years), and move the FOIR slider to the share of income your lender allows, usually 40% to 65%.

Add your savings

Enter the money you have for the purchase and the stamp duty and registration rate for your state. The results show the eligible loan, the home price you can buy and the cash you need.

Privacy & Processing

Mode: local
Files Leave Browser: Local tool processing; review details below
Max Input Size: Device memory limits
Account Required: No
Data Stored Locally: Nothing is saved; the figures reset when you close the page.
Network Processing: Assets or models may require an initial download

Everything is calculated in your browser. Your income, EMIs and savings are never sent anywhere.

Rules & Limitations

An estimate. Each bank also weighs your age, credit score, job, other income and the property itself.
FOIR is the share of net monthly income that all EMIs together may take; lenders set their own limits.
Uses the RBI loan-to-value caps: up to 90% of the price for loans up to ₹30 lakh, 80% up to ₹75 lakh and 75% above.
Banks don't lend for stamp duty and registration, so they come from your savings. Rates vary by state and buyer.
Tenure is limited to 30 years; most banks want the loan repaid by age 60 to 70.

Top Suggestions

Setting a home budget before visiting builders or brokers
Seeing how a co-applicant raises your eligibility
Planning how much to save for the down payment and registration
Checking whether to close a car or personal loan before applying

Home Loan Eligibility Calculator FAQ

What is FOIR?

FOIR (fixed obligation to income ratio) is the share of your net monthly income that all your EMIs together may take. At 50% FOIR, a ₹1 lakh take-home pay allows ₹50,000 of EMIs; if you already pay ₹10,000, up to ₹40,000 is left for the home loan.

How much home loan can I get on a ₹1 lakh salary?

With ₹1 lakh net a month, ₹10,000 of existing EMIs and a 50% FOIR, the EMI room is ₹40,000. At 8.5% for 20 years that supports a loan of about ₹46.1 lakh. A higher FOIR, a longer tenure or a co-applicant raises it.

How much down payment do I need?

RBI rules let banks lend at most 90% of the price for loans up to ₹30 lakh, 80% for ₹30 to 75 lakh and 75% above that. You pay the rest, plus stamp duty and registration of about 5% to 8% of the price, from your own money.

How can I increase my home loan eligibility?

Add an earning co-applicant, close or prepay small loans, choose a longer tenure, and keep a good credit score so lenders offer a better rate and FOIR.

Is my income data stored or shared?

No. The calculation runs in your browser and nothing is uploaded or saved.