Home Loan Eligibility Calculator
Find out how much home loan you can get based on your income and existing obligations.
₹1,00,000 — One Lakh Rupees
Maximum Loan Eligibility
₹57,61,542
Fifty Seven Lakh Sixty One Thousand Five Hundred Forty One Rupees and Ninety Nine Paise
Available for New EMI
₹50,000
Fifty Thousand Rupees
FOIR Used
0%
of 50% FOIR limit
Formula & How It Works
Formula
Max EMI = Monthly Income × 0.50 − Existing EMIs; Max Loan = Max EMI × ((1+r)^n − 1) / (r × (1+r)^n)Banks apply FOIR (Fixed Obligation to Income Ratio) of 50%. Your available EMI capacity minus existing obligations determines the new EMI budget. The reverse EMI formula then gives the maximum loan principal.
Tatsyavyatur uses the 50% FOIR standard adopted by most PSU and private banks in India. Top-up on existing loans and co-applicant income can significantly increase eligibility.
Why Tatsyavyatur Calculators Are Unique
Unlike generic calculators, Tatsyavyatur's tools are calibrated to Indian real estate norms — CII tables updated for the latest Finance Act, state-specific stamp duty rates, PMAY slabs, and Indian banking FOIR standards. Every calculation uses RBI-aligned formulas so your planning is grounded in reality, not approximation.