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Loan Eligibility Calculator
Estimate the maximum home or personal loan you qualify for based on income, existing obligations, and property value.
Inputs
Results
Max EMI Allowed (FOIR)₹ 50,000
Available EMI (after existing)₹ 40,000
Max Loan (based on Income)₹ 44,45,798
Max Loan (based on LTV)₹ 40,00,000
Eligible Loan Amount₹ 40,00,000
Estimated EMI₹ 35,989
FOIR (Fixed Obligation to Income Ratio) is the max % of income banks allow towards all EMIs. Typically 40–55%.
LTV (Loan-to-Value) is the max % of property value banks will finance. Typically 75–90%.
Eligible loan = lower of income-based and LTV-based limits.