Quick Summary: Second Home Affordability Calculator

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.

How to use the Second Home Affordability Calculator

  1. Enter Monthly Salary

    Input your net take-home pay after all deductions.

  2. List Existing EMIs

    Include your current home loan, car loan, and personal loan payments.

  3. Input Potential Rent

    Enter the expected monthly rent from the new second property.

  4. Check Max Budget

    Review the maximum principal you can borrow for the second home.

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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.