Home Loan Eligibility Calculator India
Home Loan Eligibility Calculator
Estimate max home loan eligibility using FOIR — monthly income, existing EMIs, tenure and interest rate.
Your data never leaves your browser — all processing happens locally on your device.
Indicative FOIR-based estimate only — SBI/HDFC/ICICI criteria vary. Verify with bank before applying.
Estimate EMI with our EMI Calculator. Stamp duty: Property Registration Cost.
About this tool
The Home Loan Eligibility Calculator estimates how much home loan you can get from Indian banks using FOIR (Fixed Obligation to Income Ratio). Enter net monthly income, existing EMIs, loan tenure, interest rate and FOIR assumption (typically 50–60%) — get maximum eligible loan amount and indicative EMI. Useful before applying to SBI, HDFC, ICICI or other lenders. Free private browser calculator — no upload. Indicative only; banks use additional criteria including credit score and property valuation.
How to use the Home Loan Eligibility Calculator
- 1
Enter income and EMIs
Add net monthly salary and existing loan EMIs.
- 2
Set tenure and rate
Choose loan years and expected interest rate.
- 3
Review eligible amount
See max loan and estimated EMI at that amount.
Frequently Asked Questions
What FOIR do banks use?
Many lenders use 50–60% of net income for total EMIs — adjust the slider to match your bank.
Does it include co-applicant income?
Add combined net monthly income in the income field for joint applications.
Is this a bank approval?
No. This is an indicative estimate — final eligibility depends on the lender.
How is max loan calculated?
Available EMI = (income × FOIR) − existing EMIs; loan reverse-calculated from EMI formula.