How much home loan you can get from your income, existing EMIs, age and the property value.
₹
₹
Car, personal and other loan EMIs, and credit card dues.
years
years
Usually your retirement age: 60 for salaried, up to 65–70 for self-employed.
% p.a.
%
Most lenders allow about 50% for salaried applicants.
₹
Checks the RBI limit on how much of the price can be financed.
Borrowing capacityLimited by your income
Loan you could get₹65,02,68265.03 lakh
EMI₹50,00050.0 thousand
Tenure 30 years · EMI room₹50,00050.0 thousand
Existing EMIs ₹0New loan EMI ₹50,000Left over ₹50,000EMI limit 50%
How banks decide how much to lend
Repayment capacity: all your EMIs, old and new, usually can't exceed about half your take-home pay (lenders call this FOIR). Some allow more at higher incomes.
Tenure: up to 30 years, but ending around retirement, so the older you are, the shorter the loan and the smaller the amount.
Loan-to-value: RBI lets lenders finance at most 90% of the property value for loans up to ₹30 lakh, 80% for ₹30–75 lakh, and 75% above that. Stamp duty and registration are usually not financed.
Your credit score, job stability and the lender's own rules also matter, so treat this as an estimate. Work out the EMI in the EMI calculator or compare with renting in the rent vs buy calculator.
Estimates only, not financial advice. Your bank's or fund's actual figures can differ (rounding, fees, taxes, date conventions). Calculated in your browser; nothing you enter is sent anywhere.
