Find out the maximum home loan you qualify for based on your income, existing obligations and bank FOIR norms used across SBI, HDFC, ICICI and all major lenders.
FOIR
Based
30yr
Max Tenure
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Eligibility Calculator
Enter your income, existing EMIs, and preferred tenure. We apply standard bank FOIR norms (40%–50%) to compute your maximum loan eligibility.
Monthly Gross Salary / Income ₹75,000
₹5K₹5 Lakh/mo
Other Monthly Income (rent, freelance etc.) ₹0
Existing EMIs / Fixed Obligations ₹0
₹0₹1 Lakh
FOIR Applied by Bank 40%
35% (Strict)55% (Flexible)
💡 FOIR Norms: SBI uses 40–45%, HDFC uses 42–50%, private banks up to 55% for high-income borrowers. Higher CIBIL score = higher FOIR allowed.
Loan Tenure 20 Years
5 Years30 Years
Expected Interest Rate (% p.a.) 8.5%
7%14%
CIBIL Score Range
Disclaimer: Maximum loan eligibility is indicative only. Final sanction depends on property value, LTV ratio, employment type, age, credit history and bank-specific underwriting. Results are estimates for FY 2025-26 | BRACS · bracs.com
Max Loan Eligibility
₹0
Eligible
Total Monthly Income₹0
FOIR Applied40%
Eligible EMI Budget₹0
Existing Obligations₹0
Available EMI Capacity₹0
Monthly EMI₹0
Used by Obligations
Available for Home Loan
Remaining Income
💡 How to Increase Eligibility
How Home Loan Eligibility is Calculated
FOIR — Fixed Obligation to Income Ratio
FOIR is the most critical metric banks use to determine your loan eligibility. It represents the percentage of your gross monthly income that goes towards all fixed obligations (existing EMIs + proposed new EMI). Most Indian banks maintain FOIR between 40%–55%.
Eligible EMI = (Monthly Income × FOIR%) − Existing Obligations
Max Loan = Eligible EMI × [(1+r)^n − 1] / [r × (1+r)^n] Where r = monthly rate, n = months
Key Factors Banks Consider
Income stability: Salaried employees get higher eligibility vs self-employed
CIBIL score: Score above 750 unlocks best rates and higher FOIR tolerance
LTV ratio: Banks typically fund 75%–80% of property value (Loan-to-Value)
Age: Maximum loan tenure = (60 or 65) − current age for salaried borrowers
Co-applicant: Adding a spouse or earning co-applicant increases eligibility significantly
RBI Guidelines (2025)
Per RBI Master Circular on Housing Finance, LTV cannot exceed 90% for loans up to ₹30L, 80% for ₹30L–75L, and 75% for loans above ₹75L. Risk weights apply for LTV above these thresholds.