Property Affordability
Calculate your maximum home loan eligibility and property budget based on your income, existing EMIs, and available downpayment using the FOIR and LTV rules.
Quick Summary: Property Affordability
Your property budget in FY 2026-27 is capped by two factors: your cash for down payment (20-25% of property value) and your monthly EMI capacity (typically 40-55% of net income). This calculator combines both to find the exact 'Sweet Spot' for your home search, ensuring you don't over-leverage your future cash flow.
How to use the Property Affordability
- 1
Enter Monthly Income
Input your net salary after taxes and existing EMIs.
- 2
Input Saved Cash
Enter the total liquid funds you have available for the down payment and registration.
- 3
Review Max Budget
The tool identifies the most expensive house you can afford without violating banking safety norms (LTV/FOIR).
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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.