PROPVIDHIEnter the Protocol
15TOOLS

Home Loan Affordability Calculator

Estimate the maximum loan you can service and the property budget it supports. Your figures stay on this page — nothing is sent anywhere.

Last updated 19 Aug 2026Methodology ↗Pure-math estimate. Max loan is the inverse EMI formula applied to the income left for EMIs after a FOIR cap (assumed ~50%, adjustable). Interest rate is your input — not a live market quote.
Share of income available for all EMIs. ~50% is a common lender mid-point; adjust to your lender's cap.
Max EMI capacity₹75,000
Max eligible loan₹86,42,313
Down payment₹20,00,000
Indicative property budget₹1,06,42,313

Lenders cap the total of all your EMIs at a share of net monthly income — the Fixed Obligations to Income Ratio (FOIR). This tool subtracts your existing EMIs from that ceiling, then works the standard EMI formula backwards to find the largest loan that fits. Adding your down payment gives an indicative property budget. The FOIR is an adjustable assumption (~50% is a common mid-point); your lender's exact cap and eligibility rules will vary.

Once you know the loan size, estimate the instalment with the Home Loan EMI Calculator and the upfront charges with the True Cost of Buying Calculator, or browse all Propvidhi tools.