Home Loan Eligibility Calculator

Maximum loan amount from your income and EMIs. Free, private and instant.

Net monthly income (₹) Existing EMIs per month (₹)

Interest rate (% p.a.)Tenure (years)

FOIR (% of income lenders allow for EMIs)

Affordable new EMI—

Estimated loan eligibility—

Estimate only. Lenders also check credit score, age, employer and property value.

How to use the Home Loan Eligibility Calculator

Lenders limit total EMIs to a share of your income called FOIR (fixed obligation to income ratio), often 40–60%. The calculator finds the EMI you can afford after existing EMIs, then the loan that EMI supports at your rate and tenure.

Actual eligibility also depends on credit score, age, employer, property value (loan-to-value limits) and lender policy.

Frequently asked questions

What is FOIR?

Fixed Obligation to Income Ratio — the maximum share of your monthly income that can go towards all EMIs.

Does a longer tenure increase eligibility?

Yes, it lowers the EMI per lakh, so the same affordable EMI supports a bigger loan — but total interest rises.