How much home loan can you actually get?
Banks work it out from your take-home pay, the EMIs you already carry, your age and the property value. This does the same calculation, and tells you which of those is holding your number back.
Salary after tax and deductions — what actually reaches your account
Car, personal, gold, credit card — all of them added together
Spouse or parent applying with you. Leave at zero if applying alone.
Leave at zero if you have not fixed a property yet
You could borrow up to
₹28.8 L
₹28,80,771
This is capped by your income — banks allow EMIs up to 50% of what you earn.
- Room for a new EMI
- ₹25,000
- Left to live on
- ₹25,000
- Your monthly EMI
- ₹25,000/month
- Tenure used
- 20 years
Adding a co-applicant earning ₹25,000/month would raise this by about ₹18.7 L.
Indicative only. Final sanction, interest rate and loan amount are at the lender’s sole discretion.
How this is calculated
Lenders cap all your EMIs together at a share of your monthly income — 45% at lower incomes, rising to about 60% at higher ones. Whatever is left after your existing EMIs is what a new home loan can use. That monthly figure is converted into a loan amount at your interest rate and tenure, then capped again by how much of the property value can be financed (90% under ₹30 lakh, 80% up to ₹75 lakh, 75% above) and by the years remaining before you retire. The lowest of those ceilings is your answer.
Not sure where you stand?
Send one WhatsApp message with your situation. We will reply with what is realistically possible and what it will actually cost — no obligation, no fee.