What is the 20/4/10 rule for home buying?

20% down payment, 4-year tenure (usually for cars, but adapted for homes to keep debt short), and EMI not exceeding 10% of gross income (highly conservative benchmark).

Home Loan Affordability

Calculate precisely how expensive a house you can afford based on income and savings.

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Quick Summary: Home Loan Affordability

In FY 2026-27, most Indian banks use a Fixed Obligation to Income Ratio (FOIR) of 45-55% to determine your EMI capacity. A ₹1.5 Lakh net monthly income with no other debts allows for an EMI of roughly ₹75,000, which supports a ~₹85 Lakh home loan at current market rates. Use this tool to find your exact borrowing ceiling.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.