Home loan eligibility and eligibility calculator

Eligibility is mostly arithmetic: how much EMI your income can absorb, for how many years, at the rate you qualify for. Here is how lenders arrive at the number.

EMI to income
Usually 45–55%
Funding
Up to 90% of value
Tenure
Up to 30 years

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What lenders look at

Five inputs decide almost everything. Improve any one of them and your sanction moves up.

  • Net monthly income, and how much of it is already going to other EMIs
  • Credit score and repayment history — 750+ gets the best pricing
  • Age and remaining working years, which caps the tenure
  • Employment type: salaried, self-employed professional or business owner
  • The property itself — legal title, approvals and valuation

Using the eligibility calculator

Set your loan amount, rate and tenure in the calculator below to see the EMI. If that EMI plus your existing EMIs stays under roughly half your take-home pay, your case is comfortable. Adding an earning co-applicant is the quickest way to lift the figure.

Home Loan Eligibility — frequently asked questions

EMI calculator

Know your monthly EMI before you apply

Move the sliders to see how loan amount, interest rate and tenure change your EMI.

₹50.0 L
₹5 L₹5 Cr
8.50% p.a.
7%16%
20 years
1 yr30 yrs

Monthly EMI

₹43,391

48% principal · 52% interest over the full term

Principal
₹50,00,000
Total interest
₹54,13,879
Total payable
₹1,04,13,879
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How it works

Four steps from enquiry to keys

  1. 01

    Share your requirement

    Call, WhatsApp or fill the form. We understand your income, property and budget.

  2. 02

    Document check

    We collect and verify your papers, then fix any gaps before the file goes out.

  3. 03

    Best bank match

    We place your file with the lenders offering you the best rate and highest eligibility.

  4. 04

    Sanction & disbursal

    Legal, valuation and registration follow-ups handled till the money reaches the seller.

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