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Home loan eligibility

From your income and what you already repay, roughly what a lender will advance — and what property that puts in reach.

₹
₹

Car, personal and any other loan. It comes straight off what a lender will allow.

% a year
years

The lender’s two assumptions

%

FOIR. Half is the common working figure; it moves with income, employer and credit history.

%

The rest is your down payment, plus stamp duty and registration on top.

You could borrow

₹86,42,313

86.42 Lakh

Monthly instalment

₹75,000

50% of pay, less what you already repay

Property in reach

₹1,08,02,891

1.08 Cr

Down payment needed

₹21,60,578

Before stamp duty and registration

Indicative, not an offer. A real sanction turns on your credit score, your employer, how old you will be when the loan ends and the lender’s own valuation of the property — none of which a calculator can see. Treat this as the right order of magnitude before you talk to a bank, not as a number to plan around.