How Much Loan Can You Get?
Last updated: September 2026.
Spare EMI room
₹42,000
of ₹50,000 allowed (50% FOIR)
Max eligible loan
₹46,68,088
@ 9% for 240 months
Income used by EMIs
50%
Above comfort — borrow less
Home loan by salary (8.5%, 20 yrs, 50% FOIR, no EMIs)
Indicative only — use the calculator above for your exact case.
| Monthly salary | EMI room | Max loan ≈ |
|---|---|---|
| ₹25,000 | ₹12,500 | ₹14.4L |
| ₹30,000 | ₹15,000 | ₹17.3L |
| ₹40,000 | ₹20,000 | ₹23.1L |
| ₹50,000 | ₹25,000 | ₹28.8L |
| ₹60,000 | ₹30,000 | ₹34.6L |
| ₹75,000 | ₹37,500 | ₹43.2L |
| ₹1,00,000 | ₹50,000 | ₹57.6L |
| ₹1,50,000 | ₹75,000 | ₹86.4L |
| ₹2,00,000 | ₹1,00,000 | ₹1.15Cr |
Also searched as: how much home loan on 50000 salary, home loan eligibility 1 lakh salary, होम लोन कितना मिलेगा, foir calculation, cibil score for home loan, joint home loan benefits
How to use this calculator
- Enter monthly in-hand income, existing EMIs, rate and tenure.
- We apply the FOIR cap banks use (you can adjust 40–50%) to find spare EMI room.
- The result is the maximum loan that room can carry — borrow less, not more.
What is this tool?
Banks decide your loan amount from your income and existing EMIs using the FOIR rule (40–50%). This calculator reverses that maths to show the maximum loan you qualify for — and whether you should actually take it. Use it before house-hunting or applying anywhere.
What banks don't tell you (eligibility)
FOIR — Fixed Obligation to Income Ratio — is the real gatekeeper: total EMIs (new + existing) may not cross 40–50% of net income. A Rs. 1L salary with Rs. 30k EMIs leaves only ~Rs. 10–20k room.
Eligible is not affordable. Banks ignore your rent, school fees and emergency fund. Keep total EMIs under 35% yourself even when the bank allows 50%.
CIBIL 750+ plus stable salary history is what unlocks the best slabs. Every formal application dings the score — soft-check first, apply once.
Read the full Real Loan & EMI Guide →
This tool gives an estimate for guidance only. It is not financial advice. Final eligibility is the lender's decision on your documents.
Common eligibility questions
What is FOIR?
Fixed Obligation to Income Ratio: total monthly EMIs divided by net monthly income. Banks cap it at 40–50%.
Why was my loan rejected despite good salary?
Usually existing EMIs eating the FOIR room, low CIBIL, unstable job history, or undocumented income. Fix FOIR first — close small loans.
Should I borrow the maximum eligible amount?
No. Borrow for the need with a 6-month emergency buffer untouched. Eligibility is the bank's risk limit, not your budget.
How much home loan on ₹50,000 salary?
About ₹28–29 lakh at 8.5% for 20 years with no other EMIs (50% FOIR). See the salary table above.
What CIBIL score is needed?
750+ unlocks the best slabs (around 7.15–8.5%); 700–749 gets approved costlier; below 650 is very tough. Joint applicants use the higher score.
Does a co-applicant increase eligibility?
Yes — both incomes count toward FOIR, and many banks cut about 0.05% for women co-owners. Tax benefits can also be split.
Worked example: ₹80,000 net salary, ₹10,000 existing EMI
- At a 50% limit on all EMIs, your total EMI capacity is ₹40,000; after the existing ₹10,000 EMI, ₹30,000 is left.
- At 8.5% for 20 years, each ₹1 lakh needs about ₹868 EMI, so you can borrow roughly ₹34.5 lakh.
- Closing the ₹10,000 EMI first would raise eligibility to about ₹46 lakh.
How the Loan eligibility calculator works: the rules
- Banks use FOIR (fixed obligations to income ratio), usually 40–60% of net income.
- Home loans are usually capped at 75–90% of the property value depending on loan size.
- Co-applicant income can be added to raise eligibility.
Loan eligibility calculator: frequently asked questions
How much home loan can I get on ₹50,000 salary?
With no other EMIs and a 50% limit, about ₹28–29 lakh at 8.5% for 20 years.
What is FOIR?
The share of your income going to EMIs; banks prefer 40–60%.
Does a co-applicant increase eligibility?
Yes. Banks add a co-applicant's income (usually a spouse or parent) when checking eligibility, which can raise the loan amount — but the co-applicant's existing EMIs also count.
Does credit score affect eligibility?
Yes, higher scores can get higher amounts and lower rates.
Can I get 100% home loan?
No, banks fund up to 75–90% of property value.
Do existing loans reduce eligibility?
Yes, every EMI reduces the amount you can borrow.
Official sources: RBI — Housing loan LTV norms· Last reviewed 2026-10-30. Results are estimates — confirm final figures with your lender, insurer or tax adviser.