Home Loan Eligibility
Maximum loan from income, FOIR and tenure with affordability check.
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Results
Enter your values, then press Calculate Now to evaluate the output.
Guide — Home Loan Eligibility
The loan eligibility calculator below follows standard Indian construction practice and the relevant IS-code conventions. Enter the site dimensions exactly as measured, press Calculate Now, then refine the quantities line by line in the live sheet before you export.
Lenders cap the fixed obligation to income ratio between 40% and 55% depending on income band. Your EMI capacity is that percentage of net income minus every existing EMI, including credit card minimums.
The eligible principal is the present value of that EMI stream at the offered rate over the chosen tenure. Extending tenure raises eligibility but the total interest paid rises faster than most borrowers expect.
Loan-to-value is capped by RBI at 90% below ₹30 lakh, 80% between ₹30 and ₹75 lakh and 75% above that — and the cap applies to the property value excluding stamp duty and registration.
Treat every output as an indicative pre-tender estimate. Site conditions, wastage allowances, specification changes and local market rates all move the final figure, so validate against your drawings and approved rate analysis before procurement.
Master Measurement Sheet
| Sr. No. | Description | Unit | NOS 1 | NOS 2 | L | B | D | QTY | Action |
|---|---|---|---|---|---|---|---|---|---|
| 1 | 1.000 |
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About the Home Loan Eligibility
This tool is built for site engineers, quantity surveyors, contractors and property investors who need dependable numbers fast. Every input is reactive — changing a single field instantly recomputes the full output set, so you can run sensitivity checks on dimensions, grades and rates before committing to an estimate.
Keep unit consistency in mind: metric inputs (metres, square metres, cubic metres) produce metric outputs, with imperial and Indian trade units shown alongside where they are commonly used on site.