Home Loan Affordability
See how much you can comfortably borrow based on your income and existing EMIs.
You could borrow about
₹40,33,079
- Affordable monthly EMI
- ₹35,000
- Lenders typically cap EMIs at
- 40–50% of income
Most lenders also expect a down payment of 10–25% of the property value.
How it works
Lenders look at your fixed obligations to income ratio (FOIR). Keeping all EMIs within roughly 40–50% of take-home pay leaves room for savings and emergencies.
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