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How much home can I afford?

Start from what you earn and what you have saved. We work out the price a lender could help you reach, and say what is holding it back.

₹1 L. After tax, for everyone who will repay the loan.

After tax, for everyone who will repay the loan.

Car, personal and other loans you already repay.

Car, personal and other loans you already repay.

₹10 L

An example rate. Use the rate your lender offers you.

An example rate. Use the rate your lender offers you.

Lenders usually keep all EMIs within about 40–50% of take-home pay; each sets its own limit.

Lenders usually keep all EMIs within about 40–50% of take-home pay; each sets its own limit.

Your home budget

Budget up to ₹50 L

up to ₹50 L

₹50,00,000 for the home itself

Down payment
₹10,00,000
Home loan
₹40,00,000
New EMI, at most
₹40,000/mo

What sets this budget

Your down payment. Under RBI rules a lender may finance at most 80% of a ₹50 L home, so your savings must cover the rest. Your income could repay up to ₹46.09 L; saving more would raise the budget.

The price of the home only. Keep money aside for stamp duty, registration, interiors and moving, which are not included. A lender decides the final loan from your credit history and documents.

See homes up to ₹50 L in Kolkata
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