CALCULATORS • PROPERTY
Home Loan Eligibility Calculator
Find the loan amount your income can comfortably support.
Know your borrowing limit
Discover the maximum home loan a bank is likely to sanction.
ABOUT THIS CALCULATOR
What is the Home Loan Eligibility Calculator?
Before you start house hunting, it is crucial to know how much loan a bank is willing to offer you. Home Loan Eligibility depends heavily on your net monthly income and existing financial obligations. This calculator reverse-engineers the bank's underwriting formulas to give you a realistic estimate of your maximum borrowing capacity.
Calculator Details
Adjust the values below to see your personalized results.
₹
₹15 K₹20 L
Car, personal or any other running loan
₹
₹0₹5 L
%
5%16%
yr
1 yr30 yr
Lenders usually work with 40–55%
%
30%70%
Share of the flat value you pay yourself
%
10%60%
Loan you may be eligible for
₹57,61,542
EMI you can afford₹50,000
EMI on this loan₹50,000
Property budget₹72,01,927
Down payment needed₹14,40,385
Tip: Registration, stamp duty and moving-in costs sit on top of the property budget.
What this calculation assumes
- Income means your monthly take-home pay, after tax and deductions.
- Banks allow all your EMIs together to reach roughly half your income. The exact share depends on the lender, your age, job and credit score.
- Lenders also fund only a part of the flat value, so the down payment comes from your own savings.
- This is an indication, not a sanction. The bank decides after checking your documents and credit history.
The result is an estimate to help you plan. Your bank, insurer or fund house will confirm the exact figures, and market-linked returns are never guaranteed.
Want this checked for your own case?
Send us your numbers and we will walk you through the options — there is no fee for the advice.