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Estimate how much home loan you are eligible for.
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The exact formula, statutory references and edge-cases used to compute your result. Reviewed by CA Ankita Jainik Soni.
FOIR is the standard lender metric — 50% of net monthly income is the maximum allowed for all loan EMIs combined. Eligible EMI for the new home loan = 50% of net income − existing EMI obligations.
SBI, Bank of Baroda, PNB: 50–55% FOIR. HDFC Ltd, ICICI Bank: 50–60% for salaried. LIC Housing Finance: 45–55%. NBFCs (Bajaj, Tata Capital): up to 55–65% but at higher interest rates.
For salaried: take-home salary + deductions (PF, professional tax, EMI of existing loans). For self-employed: average of last 2–3 years' ITR + current year projections + bank statement average balance.
RBI guidelines: LTV (Loan to Value) cap of 90% for loans up to ₹30L, 80% for ₹30L–₹75L, 75% for ₹75L–₹2Cr, 65% above ₹2Cr. Down payment must cover the remainder.
Adding spouse or parents as co-applicants increases eligible loan amount — combined income is considered. Property can be owned jointly; co-applicant also gets Section 80C benefit on principal repayment and Section 24(b) on interest.
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Last updated: 21 June 2026 · Last reviewed by CA Ankita Jainik Soni · Indicative results only