Home Loan Eligibility Calculator India 2026 — How Much Can You Get? — free 2026 guide with formula, examples and calculator.
Home loan eligibility in India is determined by your income, existing EMIs, CIBIL score, age, and employer type. Most banks apply the 40–50% FOIR (Fixed Obligation to Income Ratio) rule — meaning total EMIs including the new home loan should not exceed 40–50% of gross monthly income.
Max EMI (50% FOIR) = ₹30,000. Existing car loan EMI = ₹8,000.
Available home loan EMI = ₹22,000. At 8.5% for 20yr:
Max eligible loan = ~₹25.3L
| Monthly Salary | FOIR 40% | FOIR 50% | Approx Max Loan (8.5%, 20yr) |
|---|---|---|---|
| ₹30,000 | ₹12,000 | ₹15,000 | ~₹13.8–17.3L |
| ₹50,000 | ₹20,000 | ₹25,000 | ~₹23L–28.8L |
| ₹1,00,000 | ₹40,000 | ₹50,000 | ~₹46L–57.6L |
| ₹2,00,000 | ₹80,000 | ₹1,00,000 | ~₹92L–1.15Cr |
Enter your salary and existing EMIs — see exactly how much home loan you qualify for.