Home Loan Eligibility
Estimate home loan borrowing limits based on your monthly net income and liabilities.
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Banks typically restrict your monthly liabilities (proposed Home Loan EMI + existing EMIs) to 50% of your net monthly salary (FOIR limit). Lower credit score thresholds or high existing debt balances can reduce eligible limits.
₹51,85,388
Based on 20 years repayment tenure
₹60,000
₹45,000
Improve Loan Approvals
Clear Existing Card Debt: Pay off card balances and personal loans to instantly expand your monthly EMI capacity.
Add a Co-Borrower: Join applications with a spouse or working parent to pool salaries and double eligible limits.
Keep Tenure High: Opt for a 30-year tenure instead of 15 years to qualify for higher loan principals.
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