🏠 Loan Eligibility Calculator
Aapki income par kitna loan mil sakta hai — bank jaisa andaza.
Last updated: 7 Oct 2026 · Calculation based on publicly known formulas. This is an estimate — actual values may vary.
Result
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Eligibility estimate hai — bank approval credit score aur documents par depend karta hai. This is an estimate.
How we calculated it
FOIR (Fixed Obligation to Income Ratio) method: banks aam taur par kul EMI (nayi + purani) ko monthly income ke 50% tak seemit rakhte hain. Max affordable EMI = 50% × monthly income − existing EMIs. Phir eligible loan = us EMI ka present value: PV = EMI × ((1+r)^n − 1) / (r × (1+r)^n), jahan r = annual rate ÷ 12 ÷ 100, n = mahine.
Honest limits
- Har bank ka FOIR alag ho sakta hai (40–60%); kuch banks net income par 60% tak lete hain.
- Credit score (CIBIL), job stability aur property documents bhi approval me matter karte hain — ye sirf rakam ka andaza hai.
- Longer tenure se eligibility badhti hai par total interest bhi badhta hai.
This is an estimate. Actual values may vary. For official figures, always check the relevant authority or official notification.
Frequently asked questions
FOIR kya hota hai?
Fixed Obligation to Income Ratio — aapki kul monthly EMI ka monthly income se ratio. Banks aam taur par ise 50% se neeche rakhna chahte hain.
Existing EMI se eligibility kaise ghatti hai?
Max EMI = 50% income − existing EMIs. Matlab pehle se chal rahi EMI seedha aapki naye loan ki capacity kam kar deti hai.
Kya ye guarantee hai ki itna loan milega?
Nahi — ye sirf mathematical andaza hai. Bank CIBIL score, employment history, documents aur property valuation dekh kar final decision leta hai.
Tenure badhane se kya hota hai?
Monthly EMI kam hoti hai aur eligibility badhti hai, par kul interest zyada dena padta hai.
Home, car aur personal loan me eligibility alag kyun?
Interest rate aur max tenure alag hote hain — home loan lamba tenure + kam rate, personal loan chhota tenure + zyada rate. Isliye same income par rakam badal jati hai.