Home Loan Eligibility Calculator – Check Instantly
Use our Home Loan Eligibility Calculator to instantly know how much housing loan you qualify for. This tool helps you plan smarter by calculating eligible loan amount, and EMI based on your income and financial profile and tenure you plan.
Home Loan Eligibility Calculator
Eligible Loan Amount
₹0
Estimated Monthly EMI
₹0
Need Help With Your Home Loan?
Share your details and connect instantly with our home loan expert on WhatsApp.
How Home Loan Eligibility Calculator Works
Our calculator uses key factors such as monthly income, existing debts, loan tenure, and interest rates to estimate your eligibility. By entering accurate details, you get a clear picture of your borrowing capacity before applying for a home loan.
Factors That Affect Your Home Loan Eligibility
Income level – Higher income increases eligibility.
Credit score – A score above 750 improves approval chances.
Employment type – Salaried and self‑employed applicants are assessed differently.
Age – Younger applicants may get longer tenure options.
Existing loans – Fewer obligations mean higher eligibility.
Benefits of Using our calculator
Saves time before approaching banks.
Connect directly with a loan expert on WhatsApp for guidance.
- Helps compare different loan scenarios.
Frequently Asked Questions (FAQ)
Most banks require a minimum monthly income of ₹25,000–₹30,000, but it varies.
Yes, joint applications with a spouse or family member can boost loan eligibility.
No, it provides an estimate. Final approval depends on lender policies.
Yes. You can enter an approximate interest rate to get an estimate of your eligibility. For precise results, use the current rate offered by your preferred bank or lender.
Using the Home Loan Eligibility Calculator is a simple estimation tool and does not involve a credit bureau inquiry. Your credit score remains unaffected.