Home loan eligibility calculator
Lenders work backwards from what you can afford monthly. Set your income and existing EMIs to see the loan that supports, and the property price it reaches.
Take-home, after tax and deductions.
Car, personal, education loans. Credit card dues excluded.
Lenders typically allow 50-60%. Higher incomes are usually allowed the upper end.
Eligible loan
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Affordable EMI
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Property you can target
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Property figure assumes the RBI LTV ceiling for that loan size and excludes stamp duty and registration. An estimate, not an offer.
What moves this number most
In order of how much difference each one makes.
Clearing an existing EMI
The single fastest lever. A Rs 20,000 car loan EMI costs you roughly Rs 23 lakh of home loan eligibility at 8.5% over 20 years. Closing it before you apply can matter more than a raise.
Adding a co-applicant
A working spouse's income is added to yours, which can lift eligibility substantially. Both applicants become jointly liable, and both credit scores are assessed.
Stretching the tenure
Going from 15 to 25 years raises eligibility meaningfully, but the extra interest over the life of the loan is large. Use it to qualify, then prepay.
Your credit score
A score above 750 gets the advertised rate. A lower score usually means a higher rate, which at the same affordable EMI translates directly into a smaller eligible loan.
Common questions
How is home loan eligibility calculated?expand_more
Lenders start from your net monthly income, subtract your existing EMIs, and allow a percentage of what remains as the new EMI. That percentage, the FOIR or fixed obligation to income ratio, is typically 50-60%. The eligible loan is then whatever principal produces that EMI at the offered rate and tenure.
Does my spouse's income count?expand_more
Yes, if they are a co-applicant. Adding a working co-applicant raises the combined income the lender assesses and so raises eligibility. It also makes both of you jointly liable for the loan.
Why is my eligibility lower than this estimate?expand_more
Common reasons: variable pay the lender discounts or ignores, a credit score below 750, a short employment history, an existing loan the calculator did not include, or a tenure capped by your age. The lender's own assessment always overrides an estimate.
Does a higher salary always mean a bigger loan?expand_more
Only up to the LTV ceiling. However high your income, RBI caps the loan at 75-90% of property value depending on loan size, so beyond a point the property price, not your salary, is the binding constraint.
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More on home loans
- Home loans in Bangalore
Eligibility, LTV limits and the full cost picture.
- Eligibility calculator
What loan size your income actually supports.
- Documents required
Checklists for salaried, self-employed and NRI.
- EMI calculator
Monthly outgo and total interest over the tenure.
- Stamp duty calculator
Registration cost, which no loan covers.
- Project reviews
Unbiased reviews of Bangalore projects.
PropVision is not a lender and does not charge buyers brokerage. Everything here is general information, not financial advice. Eligibility, interest rates, fees and sanction are decided by the lender on your individual profile. Verify current terms with the bank before you commit.