Enter your salary — instantly see the maximum loan banks will approve based on FOIR norms.
"How much home loan can I get on my salary?" — It's the first question every home buyer asks. Banks typically allow EMI up to 40–50% of your net monthly income, but the actual amount depends on your age, existing EMIs, employer type, and CIBIL score.
This loan eligibility calculator gives you a precise figure — no guesswork, no bank visit needed. Know your eligibility before you start house hunting.
Assuming: 30 years old, no existing EMIs, 750+ CIBIL score, salaried in a private company, 8.5% rate, 20-year tenure.
| Monthly Salary (Net) | Max EMI (40%) | Loan Eligibility | Property Budget (80% LTV) |
|---|---|---|---|
| ₹30,000 | ₹12,000 | ₹13.8 lakh | ₹17.3 lakh |
| ₹50,000 | ₹20,000 | ₹23.1 lakh | ₹28.9 lakh |
| ₹75,000 | ₹30,000 | ₹34.6 lakh | ₹43.3 lakh |
| ₹1,00,000 | ₹40,000 | ₹46.2 lakh | ₹57.7 lakh |
| ₹1,50,000 | ₹60,000 | ₹69.3 lakh | ₹86.6 lakh |
| ₹2,00,000 | ₹80,000 | ₹92.4 lakh | ₹1.15 crore |
Note: Adding a co-borrower (spouse) typically increases eligibility by 40–80% since combined income is considered.
| CIBIL Score | Interest Rate | Eligibility (₹1L salary) | Verdict |
|---|---|---|---|
| 800+ | 8.40% | ₹47.5 lakh | ✅ Best offers |
| 750–799 | 8.50–8.75% | ₹46.2 lakh | ✅ Good |
| 700–749 | 9.00–9.50% | ₹44.5 lakh | ⚠️ Acceptable |
| 650–699 | 9.50–10.5% | ₹41.2 lakh | ⚠️ Limited options |
| Below 650 | Often rejected | — | ❌ Improve first |