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Home Loan Eligibility Calculator
Find how much home loan you can get from your monthly income, existing EMIs, interest rate and tenure.
How banks decide eligibility
Banks use FOIR (fixed obligation to income ratio): your total EMIs, including the new loan, usually stay within about 40–65% of your net monthly income depending on the bank and income level. The loan is also capped by the property value.
Frequently asked questions
Can I increase my eligibility?
Add an earning co-applicant, close small loans or card dues, choose a longer tenure, or file ITRs regularly if you are self-employed.
Does this calculator check my CIBIL?
No. It does not collect or check any personal data.
Results are estimates for planning. Actual figures depend on the bank, your profile and the date of disbursement.
Check your loan eligibility for free
Talk to us before you apply anywhere — one wrong application can hurt your CIBIL score.