Add your income
Enter your annual income so the calculator can estimate monthly repayment capacity.
Eligibility Checker
Loan Eligibility
Estimate your home loan eligibility based on your income and expenses.
₹1,00,000₹5,00,00,000
₹0₹2,00,00,000
1.0%20.0%
1 yr30 yr
Estimated Loan Eligibility
₹34,56,925
Supports an affordable EMI of ₹30,000
Monthly₹1,00,000
Expenses
EMI
Buffer
Monthly Income₹1,00,000
Affordable EMI₹30,000
Buffer Left₹45,000
FOIR Ratio
Banks typically use a 40-50% FOIR (Fixed Obligation to Income Ratio) to ensure you have enough buffer for living expenses after paying your EMI.
Credit Score
A credit score above 750 can help you secure lower interest rates, which directly increases your total loan eligibility amount.
How it works
Check loan eligibility in three steps
Estimate the loan amount you may qualify for by balancing income, existing expenses, repayment capacity, and expected loan tenure.
Include expenses
Add yearly expenses and existing obligations to calculate disposable income.
Review eligibility
See the estimated eligible loan amount, affordable EMI, and buffer left each month.
Frequently Asked Questions
What is loan eligibility?
It is an estimate of the home loan amount you may qualify for based on income, obligations, rate, and tenure.
What is FOIR?
FOIR is Fixed Obligation to Income Ratio. Lenders use it to check whether your EMI is manageable.
Does credit score affect eligibility?
Yes. A strong credit score can improve approval chances and may help you get a better interest rate.
Is this a guaranteed approval?
No. Final eligibility depends on lender checks, documents, credit history, property type, and policy.