An indicative estimate using the FOIR (fixed-obligation-to-income) rule and RBI's loan-to-value cap. Your inputs stay on this device.
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We work out the EMI you can afford from your income (FOIR rule), then back-calculate the loan that EMI supports at your rate and tenure. If you enter a property value, we also apply RBI's loan-to-value cap and take the lower of the two:
Eligible = EMI_available · ((1+r)^N − 1) ÷ (r · (1+r)^N), capped by Property × LTVResults are indicative estimates based on the inputs you entered and the assumptions above. Actual interest rate, EMI, eligibility, prepayment charges and tax benefits are determined by the lender and applicable law at the time of disbursal. Tarsariya Financial Services LLP is a financial-services intermediary and not a lender. For a personalized assessment, please reach out to our advisor.
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FOIR is the fixed-obligation-to-income ratio — the share of your monthly income a lender will let you spend on all EMIs combined. Lenders typically allow about 50% of income for a household income below ₹30,000, 55% from ₹30,000 to ₹75,000, and 65% above ₹75,000. Your existing EMIs are subtracted first, and only the EMI left over is used to size your new home loan.
A co-applicant — usually a spouse, parent or earning child — adds their income to the household total. That raises the FOIR pool available for EMIs, so the loan you qualify for can increase meaningfully. The co-applicant is also jointly responsible for repayment, and adding one can improve approval odds and help both applicants claim tax benefits on a joint loan.
LTV is the share of the property's value a lender will finance. RBI caps it at about 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh. So even if your income supports a larger loan, the amount is also limited by the property value, and you arrange the balance as down payment — plus stamp duty and registration, which are usually not funded.
This tool uses standard FOIR and LTV rules, but lenders also weigh your CIBIL score, employment type and stability, age at loan maturity, the property's legal and technical valuation, and their own internal policy. A strong credit profile can unlock a higher amount or better rate, while a weaker one can reduce it. Treat this as an indicative starting point, subject to lender policy.
You can raise your eligibility by closing or reducing existing EMIs, adding an earning co-applicant, choosing a longer tenure (within the age-at-maturity cap), maintaining a healthy CIBIL score, and arranging a larger down payment so the LTV cap is not the binding limit. Our advisors can compare lenders and structure the application to maximise the amount you qualify for.
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