Home Loan Affordability Calculator
Calculate how much home loan you can comfortably service based on your income, ongoing expenses, existing EMIs, and down payment savings.
Income & Loan Parameters
Key Borrowing Rules
FOIR Limit (45%): Banks generally restrict total monthly debt payments to 40%–50% of your gross monthly income. We use a conservative 45% threshold.
LTV Ratio: Lenders typically finance 75%–85% of agreement value. The remaining 15%–25% plus registration and stamp duty must come from your own down payment[cite: 12].
Affordability Summary
Advisory Assessment
Based on your financial cash flow, your target home budget is ₹78,00,000, supported by a loan of up to ₹68,00,000[cite: 12].
Prudent Home Buying Guidelines
- • Pre-close high-interest personal loans to expand home loan eligibility[cite: 12]
- • Keep an emergency fund intact—never empty all liquidity into down payments
- • Maintain parallel mutual fund SIPs so your retirement savings do not stall
- • Budget an additional 6%–8% for registration, stamp duty, and interiors
Balancing Property Purchase with Long-Term Wealth?
Schedule a one-on-one consultation with Jasvinder Singh to integrate your real estate purchase with your overall investment portfolio and tax strategy.