आपका वित्तीय विवरण

%
वर्ष

अधिकतम पात्र लोन

₹23,04,617
अधिकतम मासिक EMI₹20,000
अवधि20 वर्ष

* यह मानक बैंक मानदंडों (FOIR) पर आधारित अनुमान है। वास्तविक पात्रता क्रेडिट स्कोर, उम्र और बैंक नीतियों के आधार पर भिन्न हो सकती है।

बैंक-वार पात्रता अनुमान

प्रत्येक बैंक अलग FOIR लागू करता है। आपके इनपुट के आधार पर अनुमानित पात्र ऋण राशि:

बैंकFOIRअनुमानित ऋण
SBI50%₹23,04,617
HDFC55%₹25,35,078
ICICI55%₹25,35,078
Axis50%₹23,04,617
Bank of Baroda60%₹27,65,540

How Home Loan Eligibility is Calculated

Banks consider several factors when determining your home loan eligibility:

  • Monthly income — Your net take-home salary or income
  • Existing obligations — Current EMIs, credit card dues, and other loan payments
  • Age — Younger applicants may qualify for longer tenures
  • Credit score — A CIBIL score above 750 improves eligibility
  • Employment type — Salaried vs. self-employed have different criteria
  • Property value — Loan-to-value (LTV) ratio limits apply

Formula used by banks:

Eligible EMI = Net Income x FOIR% - Existing EMIs

Loan Amount = Eligible EMI x [((1+r)^n - 1) / (r x (1+r)^n)]

Where r = monthly interest rate, n = total number of monthly installments, FOIR = Fixed Obligation to Income Ratio (typically 50-65%).

Tips to Increase Your Home Loan Eligibility

  • Add a co-applicant (spouse/parent) to combine incomes and boost eligibility
  • Clear existing loans and credit card dues before applying to lower your FOIR
  • Choose a longer tenure — this reduces your EMI and increases the eligible loan amount
  • Include all income sources such as rental income, bonuses, and incentives in your application
  • Maintain a CIBIL score above 750 to qualify for the best rates and higher eligibility
  • Apply during festive season offers when banks often provide lower interest rates and relaxed criteria

Documents Required for Home Loan Application

Identity Proof

Aadhaar Card, PAN Card, Passport, Voter ID, or Driving License

Address Proof

Aadhaar Card, Utility Bills, Passport, or Bank Statement with address

Employment Proof

Offer Letter, Company ID Card, or Employment Certificate

Income Proof

Last 3-6 months salary slips, ITR (last 2-3 years), and Bank Statements (last 6 months)

Property Documents

Sale Agreement, NOC from builder, Approved Building Plan, and Property Tax Receipts

Frequently Asked Questions

अधिकांश बैंक आपकी मासिक आय का 60 गुना अधिकतम लोन राशि के रूप में देते हैं। ₹1 लाख/माह वेतन पर, आप ₹60 लाख के लिए पात्र हो सकते हैं। आपके मौजूदा EMI, क्रेडिट स्कोर और प्रॉपर्टी मूल्य भी पात्रता को प्रभावित करते हैं।

FOIR (फिक्स्ड ऑब्लिगेशन टू इनकम रेश्यो) ऋण परिशोधन में उपयोग की गई आय का प्रतिशत है। बैंक आमतौर पर 40-50% FOIR की अनुमति देते हैं। कम FOIR का अर्थ उच्च लोन पात्रता है।

हाँ। 750 से अधिक CIBIL स्कोर पात्रता बढ़ाता है और बेहतर ब्याज दर देता है। 650 से कम स्कोर पर लोन अस्वीकरण या उच्च दरें हो सकती हैं।

हाँ। आय वाले सह-आवेदक जोड़ें, मौजूदा लोन बंद करें, लोन अवधि बढ़ाएं, या अपना क्रेडिट स्कोर सुधारें। अधिक डाउन पेमेंट से भी आवश्यक लोन राशि कम होती है।

FOIR (Fixed Obligation to Income Ratio) is the percentage of your income already committed to existing EMIs and obligations. Most banks cap FOIR at 50-60%. If you earn ₹1 lakh and have ₹30,000 in existing EMIs, your remaining eligibility is based on ₹70,000 income.

Yes, most banks include 50-70% of your rental income when calculating loan eligibility. You'll need to provide rental agreements and bank statements showing consistent rent receipts. Self-employed applicants can also include business income with proper documentation.

Yes, CIBIL score is a critical factor. A score above 750 is considered good and qualifies you for the best interest rates. Scores below 700 may result in higher rates or rejection. Check your CIBIL score for free before applying and take steps to improve it if needed.

On a ₹50,000 monthly salary, most banks offer a home loan of ₹25-35 lakh, assuming no existing EMIs, a 20-year tenure, and 8.5% interest rate. The exact amount depends on your age, employer, credit score, and existing obligations.

There's no universal minimum salary requirement, but most banks require a minimum net monthly income of ₹15,000-₹25,000 for salaried applicants. For self-employed, minimum ITR income of ₹2-3 lakh per annum is typically required.

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