Home Loan Eligibility Calculator
How much home loan you can get based on your income, existing EMIs and FOIR.
Result
How to use
- 1
Enter your take-home income and any EMIs you already pay.
- 2
Set the FOIR, interest rate and tenure.
- 3
See the maximum EMI, the loan you may get and the property value it supports.
Questions
What is FOIR?
Fixed Obligation to Income Ratio — the share of your monthly income that can go towards all EMIs, including the new loan. Most lenders cap it at 40–60%.
How much of the property price can be a loan?
RBI's loan-to-value limits: up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh. You pay the rest as down payment, plus stamp duty and registration.
How can I get a bigger loan?
Close small loans first, add a co-applicant with income, choose a longer tenure, or improve your credit score for a better rate. The final amount is always the lender's decision.
About this Loan Eligibility tool
Home Loan Eligibility Calculator — How much home loan you can get based on your income, existing EMIs and FOIR. It is one of 200 free tools on namasivayam.in, made by software engineer Namasivayam Vadivelan for everyday use in India.
Everything is calculated instantly in your browser: nothing you type or upload is sent to any server, there is no sign-up, and it works on mobile and desktop. Enter your take-home income and any EMIs you already pay.
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Results are estimates to help you plan. They are not financial, tax or medical advice.