Home Loan Eligibility

How Much Can
You Borrow?

Check your loan eligibility across top banks instantly — no paperwork needed.

Your Profile
Employment Type
Net Monthly Salary80,000
₹15K₹5L
Existing Monthly EMIsNone
₹0₹1L
Your Age30 yrs
21 yrs60 yrs
Desired Tenure20 yrs
5 yrs30 yrs
Max Loan Eligible
₹52.02L loan
Max EMI
₹40,000
FOIR
50%
Effective Tenure
30 yrs
FOIR (debt-to-income ratio)
50%
✅ Excellent — high approval chance
🏠
Best offer: 🏦 SBI₹46.09L
@ 8.5% p.a. · Processing fee ₹16,132
Bank Comparison for ₹80,000 salary
🏦
SBI
Best
₹46.09L
Max eligible amount
📊 8.5% p.a.📅 20 yrs
💼 Fee: ₹16,132
🟢
LIC HFL
₹46.09L
Max eligible amount
📊 8.5% p.a.📅 20 yrs
💼 Fee: ₹9,218
🟥
Kotak
₹45.43L
Max eligible amount
📊 8.7% p.a.📅 20 yrs
💼 Fee: ₹22,714
🏛️
HDFC
₹45.26L
Max eligible amount
📊 8.75% p.a.📅 20 yrs
💼 Fee: ₹22,632
🔷
ICICI
₹45.26L
Max eligible amount
📊 8.75% p.a.📅 20 yrs
💼 Fee: ₹22,632
🔴
Axis Bank
₹45.26L
Max eligible amount
📊 8.75% p.a.📅 20 yrs
💼 Fee: ₹45,264

Home Loan Eligibility Calculator
Know How Much You Can Borrow

Check Your Loan Eligibility Instantly

Before buying a home, you must know how much loan you can get.

Our calculator helps you estimate your eligibility based on key financial factors.

What This Calculator Considers

  • Salary

    Your monthly income plays a major role

  • Age

    Loan tenure depends on your age

  • Existing EMIs

    Current liabilities reduce eligibility

  • Interest Rate

    Affects total loan amount and EMI

What Determines Loan Eligibility?

  • Income
  • Debt-to-Income Ratio (FOIR)
  • Credit Score
  • Employment Type

Chennai Buyer Insight

  • ₹50K Salary: ₹25–40 Lakhs loan eligibility
  • ₹80K Salary: ₹40–70 Lakhs loan eligibility

Tips to Increase Eligibility

  • Increase Income

    Higher income → higher loan eligibility

  • Reduce Existing EMIs

    Lower liabilities improve approval chances

  • Improve Credit Score

    Better score → better loan offers

Frequently Asked Questions

What is FOIR?

FOIR (Fixed Obligation to Income Ratio) is the percentage of your income that goes towards existing EMIs and obligations.