Home Loan
50K+ Monthly · ₹57 CPC
📅 June 2026 · ✍️ Karthik, Vijayawada AP · ⏱ 7 min read
Home Loan Eligibility Calculator 2026 How Much Loan Can You Get?
Calculate your exact home loan eligibility based on salary, age and existing EMIs. Find out how much home loan SBI, HDFC, ICICI will give you in 2026.
How Banks Calculate Home Loan Eligibility
Banks use the FOIR (Fixed Obligation to Income Ratio) method to determine eligibility. Most banks allow maximum 50% of net monthly income as total EMI obligation. So if your net salary is ₹1 lakh, maximum total EMI (all loans) = ₹50,000.
Home Loan Eligibility by Salary — 2026
| Net Monthly Salary | Max EMI (50%) | Max Loan (20yr @ 8.5%) | Max Loan (25yr @ 8.5%) |
|---|---|---|---|
| ₹30,000 | ₹15,000 | ₹17.3 Lakh | ₹18.7 Lakh |
| ₹50,000 | ₹25,000 | ₹28.9 Lakh | ₹31.2 Lakh |
| ₹75,000 | ₹37,500 | ₹43.3 Lakh | ₹46.8 Lakh |
| ₹1,00,000 | ₹50,000 | ₹57.7 Lakh | ₹62.4 Lakh |
| ₹1,50,000 | ₹75,000 | ₹86.5 Lakh | ₹93.5 Lakh |
| ₹2,00,000 | ₹1,00,000 | ₹1.15 Crore | ₹1.25 Crore |
| ₹3,00,000 | ₹1,50,000 | ₹1.73 Crore | ₹1.87 Crore |
Use our Home Loan EMI Calculator to verify exact EMIs for any loan amount.
5 Ways to Increase Your Home Loan Eligibility
- Add co-applicant: Adding spouse's income increases combined eligibility significantly. ₹1L + ₹80K salary household can get ₹2+ crore loan.
- Clear existing loans: Every ₹5,000 EMI you close adds approximately ₹5.7 lakh more home loan eligibility.
- Improve CIBIL score: 750+ score unlocks best rates. Even 720+ qualifies for most banks.
- Choose longer tenure: 30-year loan vs 20-year increases eligibility by 25-30% for same EMI.
- Show all income: Rental income, bonus, variable pay can be added for banks that accept it.
Frequently Asked Questions
Can I get home loan with ₹25,000 salary? +
Yes, but limited. With ₹25,000 net salary and FOIR of 50%, max EMI = ₹12,500. This allows approximately ₹14.4 lakh loan at 8.5% for 20 years. For a larger loan, consider adding a co-applicant or applying under PMAY affordable housing scheme.
Does existing car loan affect home loan eligibility? +
Yes. If you have ₹15,000 car EMI and ₹1 lakh salary, banks will allow only ₹35,000 more EMI (50% of ₹1L minus ₹15K existing). This reduces home loan eligibility by approximately ₹40.4 lakh vs someone with no existing loans.
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📅 June 2026 · ✍️ Karthik, Vijayawada AP✅ Verified RBI 2026⭐ 4.8/5