How much can you borrow?
This uses the same FOIR method a lender applies — a capped share of your income may go to EMIs, less whatever you already pay. It is an estimate, and we would rather it be an honest one than a flattering one.
50,000
All running loans and card EMIs
You could borrow roughly
₹24,87,790
about 24.88 lakh
- EMI you could afford
- ₹27,500
- Assumed FOIR
- 55% of income
An estimate, not an offer. Lenders also weigh your credit score, job stability and the property itself.
Get a real figure from our lendersAlready know the amount? Work out the EMI →
About eligibility
What is FOIR, and why does it decide my loan amount?
FOIR — Fixed Obligation to Income Ratio — is the share of your monthly income a lender will allow to go towards all EMIs put together. Most lenders cap it between 50% and 60% for salaried applicants. If you earn ₹50,000 and already pay ₹10,000 in EMIs, a 55% cap leaves about ₹17,500 a month for a new loan, and that figure is what sets your maximum.
Can I borrow more than this shows?
Often, yes. Adding a co-applicant with income, choosing a longer tenure, or offering security all raise the number. Some lenders also count rental income, agricultural income or a spouse's salary. This is exactly the kind of structuring we do before placing a file.
Does my credit score change how much I get?
It changes the rate more than the amount, but a weak score can reduce the amount too, and below roughly 650 many lenders decline outright. A higher score often means a rate a full percentage point lower, which on a home loan is worth lakhs.
Is this an approval?
No. It is an arithmetic estimate based on what you typed. A lender also assesses your credit report, how long you have been in your job or business, the property if the loan is secured, and their own current credit policy. Call us for a realistic figure.