Get a rough sense of how much a lender might finance, based on your income and existing obligations — before you start shopping.
This is a simplified, illustrative estimate only — real lenders also weigh your credit score, age, existing assets, co-applicant income and the specific property. Land-only loans (no construction plan) are often capped at a lower loan-to-value ratio (commonly 70–75%) than home loans. Always confirm actual eligibility with your bank or NBFC. This is not financial advice.
FOIR (Fixed Obligation to Income Ratio) is the percentage of your monthly income lenders assume can safely go toward loan EMIs after accounting for your other fixed commitments. Most lenders in India cap this somewhere between 40% and 60%, depending on your income level, employment type and existing debt.
This tool gives you a starting number to plan around, not a guarantee — your actual eligibility depends on your specific bank's policies, your credit score, and documentation. It's worth checking with more than one lender, since eligibility criteria and interest rates can vary meaningfully between banks and NBFCs.