Home Loan Eligibility Calculator 2026
Calculate maximum home loan based on income, existing EMIs, and preferred tenure.
Inputs
Breakdown
–of income = max EMI
Monthly Income
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Max Eligible EMI
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Max Loan Amount
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FOIR Assumed
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Disclaimer: All calculations are for educational and illustrative purposes only. Results are estimates and do not constitute financial, tax, or investment advice. Tax calculations are based on FY 2024-25 rules. Actual returns may vary. Consult a SEBI-registered financial adviser or CA before making financial decisions. MarketFreeze is not a SEBI-registered investment adviser.
Frequently Asked Questions
How do banks calculate eligibility?▾
FOIR method: total EMIs capped at 40-50% of net income. This calculator uses 50%.
What factors affect eligibility?▾
Age, income, credit score 750+ ideal, employment stability, existing debt, property value.
Does co-applicant income help?▾
Yes – adding an earning spouse or parent significantly increases loan eligibility.
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