Joint Home Loan Eligibility Calculator

See how much more home loan you qualify for by adding an earning co-applicant, with a side-by-side solo vs joint comparison.

Both applicants

Your monthly income

₹80,000

Co-applicant's monthly income

₹60,000

Existing monthly EMIs (combined)

₹0

Interest rate

8.50% per annum

Loan tenure

yrs

20 years

FOIR

Income share allowed for EMI

Joint eligible loan

₹80,66,159

Up ₹34,56,925 vs applying alone

On your income alone: ₹46,09,234
With co-applicant: ₹80,66,159
Extra eligibility: ₹34,56,925
Combined affordable EMI: ₹70,000

Adding an earning co-applicant (spouse/parent) pools incomes and can significantly raise eligibility. A co-applicant who is also a co-owner can claim separate 80C/24(b) tax benefits too.