Home Loan Eligibility Calculator — FOIR 50% & Budget
Check max home loan eligibility @ 50% FOIR, age-based tenure cap (65yrs) & 80% LTV budget for Hyderabad gated flats.
Home Loan Eligibility & FOIR Checker (2026)
How much loan can you get? Check FOIR 50% rule, age-based tenure cap (65 yrs) & LTV budget.
Bank rule: EMI = up to 50% of income (55% if >₹1L/mo) minus existing EMIs. Tenure capped at 65 minus your age. LTV 80% up to ₹1Cr, 75% above.
How to Use the Loan Eligibility (FOIR)
Input take-home salary and existing EMIs to compute FOIR headroom.
Tenure auto-capped to 65 minus age; pick interest rate.
View conservative (50%) and aggressive (55%) loan + 80% LTV property budget.
Frequently Asked Questions
What is FOIR and 50% rule for home loan?
Banks allow EMI up to 50% of net monthly income minus existing EMIs (55% if income >₹1L). Tenure is capped at 65 minus your age.
How much loan on ₹1.5L salary with no EMIs?
At 8.5% for 25yrs and 50% FOIR, you can get ~₹95L loan. With 55% FOIR, ~₹1.05Cr. Budget @80% LTV = ~₹1.2Cr property.