Home Loan Eligibility Calculator
Check your home loan eligibility based on income, credit score, and financial profile. Get instant eligibility assessment with personalized recommendations.
Calculator
Calculator Details
Enter your information to calculate results
Results
₹54,00,000
Maximum Eligible Amount
Eligibility Score:
100/100
90%
Max LTV Ratio
₹6,00,000
Down Payment Required
How It Works
How Home Loan Eligibility is Determined
1
Income Assessment
Lenders evaluate your monthly income and apply FOIR (Fixed Obligation to Income Ratio) of 60%
2
Credit Score Impact
Higher credit scores get better interest rates and higher LTV ratios
3
Age and Tenure
Maximum tenure is limited by retirement age (typically 65 years)
Examples
High Eligibility Profile
Monthly Income:₹1,50,000
Credit Score:800+
Age:30 years
Employment:Salaried
Eligible Amount:₹75,00,000
Moderate Eligibility Profile
Monthly Income:₹75,000
Credit Score:700
Age:40 years
Employment:Self-employed
Eligible Amount:₹35,00,000
Compare
Credit Score Impact on Eligibility
| Credit Score | Interest Rate | Max LTV | Eligible Amount |
|---|---|---|---|
| 800+ (Excellent) | 8.5% | 90% | ₹65,00,000 |
| 750-799 (Very Good) | 9.0% | 90% | ₹60,00,000 |
| 700-749 (Good) | 9.5% | 85% | ₹55,00,000 |
| 650-699 (Fair) | 10.0% | 80% | ₹45,00,000 |
Related Calculators
4 suggestions
Percentage Calculator
Finance
Calculate percentages, increases, and decreases
percentage
math
calculation
Simple Interest Calculator
Finance
Calculate simple interest on loans and investments
simple interest
loan
investment
BMI Calculator
Health
Calculate Body Mass Index and health category assessment
body mass index
weight
health
BMR Calculator
Health
Calculate Basal Metabolic Rate and daily calorie needs
metabolism
calories
fitness