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Home loan eligibility calculator

See how much home loan a bank may give you. Banks check two limits, what your income can carry and the RBI cap on loan against the home value, and lend the lower one.

Your monthly take-home pay (₹)Salary credited to your bank account after tax and PF. Self-employed: average monthly profit after tax from the last two returns.Co-applicant monthly take-home pay (₹)A spouse or parent who applies with you. Their income adds to your limit.Your current monthly EMIs (₹)Car, personal, education and consumer loans.Credit card outstanding (₹)Many banks count 5% of the balance as a monthly payment.Home loan rate (% a year)Use the rate you were quoted. See the lender rates page for what banks list.Loan tenure you want (years)Your ageAge the loan must end byPrice of the home (₹, optional)The agreement value without stamp duty and registration. Enter 0 to see the income limit alone.Share of income the bank lets EMIs takeBanks call this FOIR. It varies by bank and income, so treat the answer as an estimate.

Estimate only. Each bank sets its own income share (FOIR), rate and credit checks. RBI loan-to-value caps: 90% up to ₹30 lakh, 80% up to ₹75 lakh, 75% above. Card dues counted at 5% of the balance. This is not a sanction.

Common questions

How do banks decide how much home loan you get?

They take your income, subtract existing EMIs, and allow EMIs up to a share of income (FOIR). They then cap the loan at the RBI loan-to-value limit for the home price.

Does a co-applicant raise my eligibility?

Yes. Their income adds to the total, and the loan can be larger. Both incomes and both sets of existing EMIs are counted.

Does age affect home loan eligibility?

Yes. The loan must usually end by retirement age, so an older borrower gets a shorter tenure and a smaller loan.