Home Loan Eligibility Calculator

Find out how much home loan you can get

Find out the maximum home loan, car loan, or personal loan amount you are eligible for based on your monthly income, existing EMIs, and the lender's eligibility criteria. Most banks allow a total EMI obligation of up to 50% of net monthly income.

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% p.a.
years
Maximum Loan Eligible
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Max Allowable EMI
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EMI Available (after existing)
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Monthly EMI on this loan
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Frequently Asked Questions

Yes. Most banks require a minimum CIBIL score of 700-750 for home loans. A higher score (750+) not only improves approval chances but also qualifies you for lower interest rates, which directly reduces your EMI.

FOIR is the ratio of your total fixed monthly obligations (all EMIs + rent if applicable) to gross monthly income. Most banks cap FOIR at 40-55%. If your FOIR exceeds this, the bank will offer a lower loan amount or longer tenure to bring the EMI within limits.