Maximum total EMI budget
Available home-loan EMI
Illustrative loan amount
Budget before buying costs
Estimated buying costs
Affordable property price
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Educational estimate only
Estimate an affordable property price from take-home income, existing EMIs, down payment, interest rate and a chosen EMI limit.
Educational estimate only
Results can vary based on company policy, lender terms, tax law, and personal assumptions.
Works backward from a chosen EMI-to-income limit, subtracts existing EMIs and converts the remainder into an illustrative loan principal.
At Rs 1 lakh take-home, Rs 15,000 existing EMIs and a 40% cap, the home EMI budget is Rs 25,000.
No. Lenders apply their own credit, income, age and policy checks.
Many lenders cap total EMIs near 40-50% of take-home income, but a lower ratio leaves more room for savings and emergencies.
