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Home Loan Eligibility

Property-focused — FOIR, LTV, age & tenure logic.

Monthly Income (₹)

Existing Monthly EMIs (₹)

Current Age (years)

Property Value (₹)

Down Payment (₹)

Interest Rate (%)

Preferred Tenure (years)

Sanctionable Loan

₹48,00,000

min(income-based, LTV cap)

Likely Final Loan

₹45,00,000

Capped at requested amount

Estimated EMI

₹39,052

Over 20 years

FOIR applied: 60% → max EMI capacity ₹43,000/mo

LTV cap (RBI): 80% → max by LTV ₹48,00,000

Tenure cap: min(your preference, age-based 33y, 30y) = 20 years

Eligible from income: ₹49,54,926

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Sanctionable Loan: ₹48,00,000

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