Home Loan Affordability Calculator: How Much Property Can You Buy?

Find a safe EMI, the maximum loan and the property budget you can afford from your monthly income, existing EMIs and down payment.

आपकी इनकम पर कितनी EMI सुरक्षित है और कितना बजट सही है।

Bank eligibility is not the same as comfortable affordability. This tool uses a conservative EMI cap that you can adjust.

Monthly take-home income (₹)Existing monthly EMIs (₹)EMI cap (% of take-home): 35%Interest rate (% per year)Tenure (years)Down payment available (₹)

Keep an emergency fund after the down payment, plus money for registration and interiors. A 30 to 35% cap is a risk guideline, not a legal rule.

Going from budget to a shortlist

Use the budget to shortlist areas in our locality guides and run the full cost in the property price calculator. Our team can also help you compare home loan offers: see home loan assistance.

How much EMI is safe for my income?

A common risk guideline is about 30 to 35 percent of stable monthly take-home income, after existing EMIs.

Is bank eligibility the same as affordability?

No. A bank may approve more than you can comfortably repay.

Should I count registration and interiors?

Yes. Budget roughly 8 to 10 percent on top of the price, depending on the property and your plans.

This tool gives estimates for planning only and is not financial, legal or tax advice.

Converter

Instant conversion of area and price across 23 regional Indian units.

EMI & Loan

Monthly and yearly EMI, total interest, year-wise table and prepayment effect.

Duty

Estimate stamp duty and registration on a Jaipur property.

Dream Haveli

Share your budget and BHK. We reply with options we have personally visited.