SwiftCalc

Home Loan Eligibility

Estimate home loan borrowing limits based on your monthly net income and liabilities.

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₹1,20,000
₹15,000
8.5%
20 Years
Bank Eligibility Guidelines (FOIR)

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.

Eligible Loan Amount

₹51,85,388

Based on 20 years repayment tenure

Max Monthly EMI Limit

₹60,000

Proposed EMI Capacity

₹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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