Find out exactly how much home loan you qualify for. This calculator uses your income, existing obligations, CIBIL score and employment type to show your real borrowing power — with FOIR analysis included.
Your net take-home pay and any existing monthly EMIs
Employment type and CIBIL score affect your FOIR limit and eligibility
Max Eligible Loan
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Based on your FOIR limit & CIBIL score
Monthly EMI
₹0
Max Home Price
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Total Interest
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Total Payable
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FOIR Analysis
Fixed Obligation to Income Ratio
0%
Limit: 50%
Enter your details above to see your FOIR analysis.
Eligibility Tiers
FOIR Used
0%
Lower EMI burden, more financial flexibility
Balanced EMI vs savings — most banks prefer this
Upper limit based on your employment & CIBIL
Monthly Income Allocation
Simple steps to increase the loan amount banks are willing to offer you.
A score above 750 gets you the best rates and higher loan amounts. Pay all bills on time and clear outstanding dues.
Paying off existing EMIs directly reduces your FOIR and frees up more income for a higher home loan.
Extending the loan term reduces your monthly EMI, allowing banks to approve a higher principal amount.
Adding a spouse or parent as co-applicant combines incomes and can significantly increase your eligible loan amount.
FOIR (Fixed Obligation to Income Ratio) is the percentage of your net monthly income that goes towards all fixed monthly obligations including existing EMIs and the proposed new home loan EMI.
Banks use FOIR to ensure you have enough income left after loan repayment for other living expenses. Most lenders prefer FOIR below 50% for salaried applicants.
Your CIBIL score directly affects both your loan eligibility and the interest rate offered. A higher score means banks trust you more and are willing to lend more at better rates.
EMI Calculator
Calculate your exact monthly instalment with full amortization.
Affordability Calculator
How much home can you comfortably afford?
Stamp Duty Calculator
State-wise stamp duty rates for 2026.
Property Valuation
Estimate your property's fair market value.
Rent vs Buy
Break-even analysis with opportunity cost.
Registration Charges
Full govt charge breakdown by state.