Home Loan Eligibility Calculator – Check Maximum Loan Amount

Find out the maximum home loan you can get based on your monthly income, existing EMI obligations, interest rate, and tenure. Instantly estimate your eligible loan amount and plan your home purchase with confidence.

Home Loan Eligibility Calculator

INR 10,000INR 5 Lakh
INR 0INR 2 Lakh
6%15%
5 Years30 Years
Banks typically allow 40%–50% FOIR

Your Home Loan Eligibility

Eligible Loan Amount
Max Monthly EMI
Available EMI Budget

Based on % FOIR on gross monthly income of

Apply for Home Loan Calculate EMI

Check estimated home loan eligibility

Home loan eligibility is mainly based on income, existing EMIs, repayment capacity, interest rate, tenure, age, credit profile, and property value. This calculator gives an indicative maximum loan amount.

  • Enter stable monthly income and current obligations.
  • Use realistic interest rate and tenure assumptions.
  • Keep fixed obligations within a comfortable part of take-home income.
  • Improve eligibility by reducing existing debt or adding an eligible co-applicant.
Note: The final sanctioned amount is decided by the lender after credit, income, and property checks.

Frequently Asked Questions

Lenders estimate eligibility using income, existing EMIs, credit profile, property value, interest rate, and tenure.

FOIR is the fixed obligation to income ratio. It compares monthly debt obligations with monthly income.

Yes. A stronger credit score can improve approval chances and may help secure better terms.