Home Loan Eligibility Calculator
Estimate the maximum home loan you may qualify for based on your income, existing obligations and the loan terms.
Your details
Eligible loan amount
₹57,61,542
Estimated maximum you may qualify for
- Max affordable EMI
- ₹50,000
- Income considered
- ₹1,00,000
- FOIR applied
- 50%
Eligibility is indicative. Lenders also factor in credit score, age, employment type, property value (LTV) and other obligations.
Frequently Asked Questions
How do lenders decide home loan eligibility?
They look at how much EMI your income can support after existing obligations (FOIR), plus your age, tenure, credit score, employment and the property itself. The calculator models the income-based part.
How can I increase my home loan eligibility?
Closing existing loans, adding an earning co-applicant, choosing a longer tenure and maintaining a good credit score can all improve eligibility.
Are the TerraNexxus calculators free to use?
Yes — every calculator and tool on TerraNexxus is completely free to use, with no sign-up or login required.
How accurate are these property and loan calculators?
They use standard, widely-accepted formulas to give a close estimate. For exact figures (loan eligibility, EMI, stamp duty, tax), always confirm with your bank, lender or a qualified financial advisor.
Do the calculators work on mobile?
Yes, all tools are fully responsive and work smoothly on mobile, tablet and desktop browsers.
Is the data I enter stored or shared?
No. Calculations run entirely in your browser — TerraNexxus does not store, track or share the values you enter.