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What each lender would actually lend you.
Your income, minus what you already pay out, against each lender's starting rate. It is the same arithmetic a credit manager does — there is no reason it should be a mystery until after you apply.
You earn as
Modelled against a 50% FOIR ceiling — our assumption, not a figure lenders publish. Shown at each lender’s published floor rate; your sanctioned rate will depend on your credit profile and is set by the lender.
You could likely borrow
₹43.7 L
at an EMI of ₹34,500 over 20 years
*Starting rates as on 2 Sept 2026, as published by each lender. Rates may change and are subject to the lender’s approval. Results are for your own planning, not an offer. LoanPark is a loan facilitator, not a lender.
While you are here.
How much home loan can I get on my salary?
Lenders size the loan against the EMI your income can carry after existing obligations, commonly capping total EMIs at around half of net monthly income. On ₹85,000 a month with ₹8,000 of existing EMIs, roughly ₹34,500 is available to service a new loan, which supports about ₹42–45 lakh over twenty years. The property value caps it separately.
Do existing loans reduce my home loan eligibility?
Yes, directly. Every EMI you already pay is subtracted before the lender works out what you can service, so a ₹15,000 car loan EMI can reduce your home loan eligibility by roughly ₹18–20 lakh. Closing a small loan before you apply is often the fastest way to increase the sanction.
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Sale and mortgage duty on the higher of jantri or consideration, including the 2025 mortgage cap.
EMI calculator
Instalment and total interest for any principal, rate and tenure.
Want these numbers against your actual file?
Send two lines and we will use your real sanction letter, not a slider.