"They caught a ₹4.2L deduction my previous CA had missed for three years straight. Refund came through in 11 days."
Personal FinanceIndividual
Home Loan Eligibility Calculator
Estimate the maximum home loan you'd qualify for based on income, existing EMIs and FOIR.
Your inputs
₹1,50,000
₹
₹
Banks typically cap total EMIs at 50–60% of net income
Reviewed by CA team
Estimates only — rules change frequently. Please verify with a CA before you file, invest, or sign anything.
Assumptions
- FOIR (Fixed Obligation to Income Ratio) is the bank's cap on total EMI as % of net income.
- Banks may apply additional margin (typically 20%) on property value as LTV cap.
Monthly income split
How this is calculated
Reviewed by CA teamAvailable EMI = max(0, income × FOIR% − existing EMIs) Eligible loan = PV of an annuity at rate r over n months = EMI × ((1 + r)^n − 1) / (r × (1 + r)^n) r = rate ÷ 12 ÷ 100, n = years × 12
Frequently asked questions
Related calculators
"Monthly GST reconciliation used to eat two days. With Aurum Vista's process it's a 30-minute review call."
"Returning from Singapore after 8 years — they mapped residential status, FCNR treatment and DTAA in one call. Zero surprises at filing."