Home Loan Eligibility Calculator
Determine your maximum borrowing power based on net monthly salary income, bank FOIR limits, ongoing loan EMIs, interest rate, and tenure.
Eligible Loan: —
Based on your monthly income and bank FOIR guidelines, this is the maximum loan principal you qualify for.
Monthly Income Allocation
Loan Eligibility vs Tenure Comparison
How loan eligibility increases with longer repayment tenures
Tenure Comparison Schedule
| Tenure | Max Eligible Loan | Monthly EMI Capacity | Total Interest Payable | Total Repayment |
|---|
What is FOIR?
Fixed Obligation to Income Ratio (FOIR) is a benchmark used by lenders to restrict your total EMI burden (existing + new loan) to around 40%–55% of net monthly income.
How to Increase Eligibility
Adding a co-applicant (spouse/parent), clearing existing personal loans, or choosing a longer tenure directly expands your maximum eligible loan amount.
LTV Ratio Limits
In addition to income eligibility, banks cap loan amounts up to 75%–90% of the property market value (Loan-to-Value ratio) based on regulatory guidelines.