Home loan eligibility calculator
What a lender will sanction against your income once your existing EMIs are counted — and the property price that buys.
Your income
Net take-home, after tax and PF — not CTC. Lenders underwrite what lands in the bank.
How the lender reads it
FOIR — fixed obligation to income ratio — is the share of your income a bank will let all your EMIs consume. Most housing lenders sit at 50%; salaried files with a long record and low other debt get stretched to 55%.
Sanction by tenure
The same income buys a bigger loan over longer — and costs far more interest.
Add stamp duty and registration on top — work out the statutory bill.
- ·FOIR-based, the way a housing-finance credit officer reads a salaried file. Self-employed files are assessed on ITR-averaged income and usually come out lower.
- ·80% loan-to-value. Lenders fund up to 90% below ₹30 L and 75% above ₹75 L, so the supported price shifts with the ticket size.
- ·No bureau score effect modelled — a score under 700 costs you rate, not eligibility.
- ·Stamp duty, registration and interiors are never funded by the loan.
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