Home Loan Affordability
Calculate precisely how expensive a house you can afford based on income and savings.
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.
How to use the Home Loan Affordability
- 1
Enter Net Salary
Input your monthly take-home income after all taxes and PF.
- 2
Input Other EMIs
Include car loans, personal loans, and credit card payments.
- 3
Calculate Max Loan
Review the principal amount and the maximum property value you can search for.
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Regulatory Disclaimer
Last verified May 2026
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.