Calculator
Home Loan Eligibility
Estimate the maximum home loan you may qualify for based on income and existing obligations.
Banks typically use 40-55%
Results
Eligible Loan
₹40,33,079
Monthly Income₹80,000
Existing EMIs₹5,000
FOIR (obligation ratio)50%
Max monthly EMI possible₹35,000
Rate & Tenure8.5% × 20y
Eligible Loan Amount₹40,33,079
Banks also consider credit score, employment type & LTV. Use this as an indicative check.
How it works
FOIR (Fixed Obligations to Income Ratio) limits your total EMIs to a % of net income. Eligible loan = present value of the remaining EMI capacity.