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Can I afford a home?

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

How much loan your income supports, and whether to rent or buy.

Net worth after each year: home value minus loan, against savings invested. Results move a lot with the growth assumptions, so treat this as a way to test ideas, not a forecast. Home loan EMIs, upkeep at 1% of price a year and buying costs are included.

Common questions

How much home loan can I get on my salary?

Roughly 50 to 60 times your net monthly income on a 20 year loan, after existing EMIs. It varies by lender and credit score.

Is renting better than buying?

It depends on how long you stay, the price growth and what you do with the money not spent on a down payment. The tool compares both with your numbers.