EXCTOOLZ
/

Home Loan Eligibility Calculator

Estimate income-based home loan capacity and a property budget using entered obligations, interest, tenure and down payment.

Your inputs

₹ INR
Choose the currency for your amounts. Values are not exchange-rate converted.
YOUR RESULT

Income-based loan estimate

₹34,56,925.19
Available monthly EMI
₹30,000.00
Property budget with down payment
₹44,56,925.19
Loan supported by down payment
₹34,56,925.19
Down payment needed at income limit
₹8,64,231.30
Available down payment
₹10,00,000.00
Assumed LTV
80%
Calculation method & assumptions

Available EMI = income × assumed obligation limit − existing payments. The loan is the present value of that EMI stream. The property budget also respects the down payment and assumed LTV.

This is an estimate, not a loan sanction. Credit history, age, income evidence, property valuation, charges and lender policy affect actual eligibility.

PASS IT ON

A useful tool is worth sharing.

RELATED TOOLS

A little more to explore.

All tools
SIP CalculatorStep-up SIP CalculatorLumpsum CalculatorSWP CalculatorCAGR Calculator
USEFUL TOOLS

Explore the collection, one useful tool at a time.

15 useful tools · Ready when you areView all tools
HOW IT WORKS

Three steps. Ready for what’s next.

01

Enter your inputs

Use the labelled fields and select the assumptions or dates that apply to your calculation.

02

Review the result

Results update as inputs change. Check the breakdown, calculation method and assumptions.

03

Copy or download

Copy a summary or download the calculation breakdown as a CSV.

About Home Loan Eligibility Calculator.

How home loan eligibility is calculated

Available EMI = income × assumed obligation limit − existing payments. The loan is the present value of that EMI stream. The property budget also respects the down payment and assumed LTV.

What the result means

Estimate income-based home loan capacity and a property budget using entered obligations, interest, tenure and down payment.

Assumptions and scope

This is an estimate, not a loan sanction. Credit history, age, income evidence, property valuation, charges and lender policy affect actual eligibility.

Using the calculator

Enter monthly net income, existing monthly loan payments, assumed emi-to-income limit, annual interest rate, duration (years), available down payment, assumed maximum loan-to-value. Change the values to compare results. Calculations run in your browser. No account is required.

A LITTLE CLARITY

Good questions. Simple answers.

A few helpful answers before you get started.

Do I need an account?

No. This tool is open to everyone without signing in.

Does this tool need the internet?

Your inputs are calculated in this browser. Load the tool online before using it offline.

Still have a question?Get in touch