Max Eligible Loan

₹28.81 L

Max EMI Capacity

₹25,000

Available EMI Capacity

₹25,000

FOIR Used

0.0%

Existing EMI Load

₹0

50.0% headroom left

Loan Tenure

20 years

240 months
Eligibility Breakdown
Monthly Income₹50,000
Max EMI allowed (50% of income)₹25,000
Less: Existing EMIs- ₹0
Available EMI for new loan₹25,000
Max Loan Amount @ 8.5% for 20 years₹28.81 L
Lenders use FOIR (Fixed Obligation to Income Ratio) to determine eligibility. Typically, your total EMIs (existing + new) should not exceed 50% of your monthly income. This calculator uses that rule to find your maximum eligible loan.