Before you fall in love with a flat, find out how big a home loan your income can actually support — and what your property budget looks like.
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Home Loan Eligibility
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₹
%
yrs
EMI-to-income limit (FOIR)
You may be eligible for
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Max EMI ₹0 per month
- Eligible loan ₹0
- Down payment (20%) ₹0
- Property budget ₹0
Banks typically allow total EMIs of 40–60% of net income and fund up to 80% of property value (75–90% depending on loan size). Final eligibility depends on credit score, age and employer.
How banks decide your eligibility
- FOIR: banks cap total EMIs at roughly 40–60% of your net monthly income
- Existing EMIs reduce what’s left for a new home loan
- Tenure & rate: a longer tenure or lower rate increases the loan you qualify for
- LTV: banks usually fund up to 75–90% of property value; you pay the rest as down payment
Frequently asked questions
How can I increase my home loan eligibility?
Add an earning co-applicant, choose a longer tenure, close small existing loans, and keep your credit score above 750.
Does my age affect eligibility?
Yes. Most banks want the loan repaid before you turn 60–70, which can cap the tenure — and therefore the amount — for older borrowers.
What credit score do I need?
A CIBIL score of 750 or more usually gets the best rates and the highest eligibility.
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