Home Loan Eligibility Calculator – FOIR Based

✅ Home Loan Eligibility Calculator

Check how much home loan you can get based on your income, existing EMIs and the bank's FOIR (Fixed Obligation to Income Ratio) norms.

Net Monthly Income (₹)

Existing Monthly EMIs (₹)

Expected Interest Rate (% p.a.)

Tenure (years)

FOIR — share of income banks allow for EMIs40% (conservative)50% (typical)55%60% (high income)

Eligible Loan Amount

₹0

Maximum EMI Capacity₹0

EMI Headroom Used by Existing Loans₹0

Assumption—

Actual eligibility also depends on credit score, age, employer profile, property value (LTV cap of 75–90%) and income documents. Adding a co-applicant's income or extending tenure raises eligibility. Estimates only.