Home Loan Eligibility Calculator
Estimate how much home loan you may get based on your income. Banks use FOIR (Fixed Obligation to Income Ratio); typically 40–60% of income can go towards EMIs.
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Eligible EMI (for home loan)₹0
Estimated Loan Amount₹0
Actual eligibility depends on bank, credit score, age and property. Use as an estimate only.
How is home loan eligibility calculated?
Banks cap the total EMI obligation (including the new home loan EMI) at a percentage of your income (FOIR). Eligible EMI = (Income × FOIR%) − Existing EMIs. From this EMI, the loan amount is derived using the interest rate and tenure.
Need Help with Home Loan or Tax?
Connect with CAs on Braihn for home loan tax benefits (80C, 24b) and documentation.
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