What can I afford?

Two things cap a purchase: what a lender will sanction and what you can put down. This finds the tighter of the two, then shows you what we have inside it.

What you have to work with

Two constraints bind a purchase: what a bank will lend, and what you can put down.

Household net monthly income

₹

₹ 20,000Include a co-applicant's take-home₹ 30,00,000

Savings you can deploy

₹

₹ 0₹ 25 L₹ 10,00,00,000

Existing EMIs

₹

₹ 0₹ 5,00,000

How hard do you want to push

City

Homes inside your band

Contact for pricing: an advisor will match live projects in Ahmedabad to this budget.

You can buy up to

₹ 97 L

Capped by your down payment, not your income: another ₹1 L saved moves this.

Loan you can service

20 years at 8.5%

₹ 77.6 L

Monthly EMI

₹ 67,343

Down payment (20%)

₹ 19.4 L

Stamp duty + registration

Gujarat: 5.9%

₹ 5.72 L

Cash needed on day one

₹ 25.12 L

Comfortable band: ₹ 76 L – ₹ 97 L. Below that you are under-buying; above it, one bad quarter hurts.

What this assumes

·20% down payment and an 8.5% loan over 20 years: the panel's typical salaried offer today.
·Stamp duty and registration at the Gujarat rate for a male/joint buyer. A sole woman buyer pays less in several states.
·Interiors, parking, club membership and IFMS are not in this band: budget another 8–12% of the price.
·The project shortlist is live inventory filtered on overlapping price bands, most-complete listings first.
·No bureau score, employer category or ITR check applied: a lender will apply all three.

Talk to an advisor about this

A calculator gives you the arithmetic. An advisor tells you which lender will actually sanction it, which projects have an approved-project (APF) tie-up so the file moves in days rather than weeks, and what the builder will negotiate on. No fee to you: we are paid by the developer on a registered booking.

· Rate comparison across a 10-lender panel
· Paperwork prepared and tracked to disbursal
· Callback within 5 minutes, 9:30am–8pm IST

What can I afford?

What you have to work with

Homes inside your band

Talk to an advisor about this

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