Home Loan Eligibility Calculator

An indicative maximum loan from your income, existing EMIs, rate and tenure -- and what is holding it back.

Regular monthly income that lenders count, after tax and deductions.

Often 40% to 60%, depending on the lender and your income. This is lender practice, not an RBI rule; change it to match your lender.

Enter your current rate. On a floating-rate loan this changes when your lender's benchmark changes.

Used to apply the loan-to-value ceiling. Stamp duty and registration are not part of the value.

Many lenders cap the age at which the loan ends; the limit varies. Fill both age fields to apply it.

Indicative eligibility

Indicative maximum loan

₹57,61,542

EMI on that loan

₹50,000

EMI room at this FOIR

₹50,000

Loan term used

20 yr

Loan the income supports

₹57,61,542

Your income and existing EMIs are what limit the loan here.

Indicative only. Lenders also weigh your credit score, job stability, the property and other factors, and apply their own FOIR, age and loan-to-value limits. Approval and the amount are the lender's decision.

For illustration only; not lending or financial advice.

Rates and rules last verified on 03 Oct 2026.

How the Home Loan Eligibility Calculator Works

Lenders mostly decide how much to lend by asking how much of your income can safely go to EMIs. That share is called the FOIR (fixed obligations to income ratio). They take your net monthly income, multiply it by their FOIR, subtract the EMIs you already pay, and what is left is the EMI room for the new loan. FOIR is the lender's own policy, commonly in the 40% to 60% range, so it is an input here and not a fixed figure.

The calculator then works out the loan that EMI room can repay over your chosen term at your chosen rate. If you give your age and the age by which the loan must end, the term is shortened to fit. If you give a property value, the loan is also capped by the RBI loan-to-value ceilings (90% up to ₹30 lakh, 80% up to ₹75 lakh, 75% above). The result tells you which of these is the binding limit.

Treat the answer as a starting point. A lender also looks at your credit score, job stability, the property and its own limits, and it may offer less, or occasionally more.

Loan = EMI room × ((1 + r)^n − 1) ÷ (r × (1 + r)^n), where EMI room = FOIR × net income − existing EMIs, r = annual rate ÷ 12 ÷ 100, n = months

Frequently asked questions

What FOIR should I use?

Ask your lender. Many use a higher share for lower incomes and a lower share for higher ones, and some count only certain obligations. It is lender practice, not an RBI rule.

Do my credit card dues count?

Lenders usually count loan EMIs, and many also count a notional amount for card outstanding. Enter what your lender would count as existing obligations.

Why does a longer term raise the loan amount?

A longer term spreads the same EMI over more months, so the EMI room can repay a bigger loan. It also means much more total interest, which is why the EMI calculator is worth checking next.