Calculate your maximum loan capacity for a second property based on FOIR limits and existing debt.
Banks treat second home loans differently by applying a stricter Fixed Obligation to Income Ratio (FOIR), typically capping total EMIs at 50% of your net income. In FY 2026-27, you can add 50% of the expected rent from the second property to your eligible income, which may help you qualify for a higher loan amount despite existing debt.
Last verified May 2026
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