Loan Eligibility Calculator
Monthly income aur chal rahi EMIs daalo — bank aapko maximum kitna loan de sakta hai, FOIR ke hisaab se turant estimate.
How to use — Loan Eligibility Calculator
- Apni monthly net (in-hand) income daalo.
- Agar koi EMI already chal rahi hai to wo daalo.
- Loan ka expected rate aur tenure daalo.
- Check eligibility dabao — bank approximately kitna loan de sakta hai dikh jayega.
FAQ
FOIR kya hota hai?
Fixed Obligation to Income Ratio — income ka kitna % EMIs me jaa sakta hai. Banks aam taur pe 40–55% allow karte hain. ₹80,000 income pe 50% FOIR = max ₹40,000 ki total EMIs.
Eligibility kaise calculate hoti hai?
Max EMI = (income × FOIR%) − existing EMIs. Phir us EMI se loan amount reverse-calculate hota hai standard EMI formula se, aapke rate aur tenure pe.
Asli eligibility isse alag kyun ho sakti hai?
Banks credit score, employer, age, property value (home loan me LTV), aur income stability bhi dekhte hain. Ye calculator income-based estimate deta hai — final amount bank decide karta hai.
Eligibility kaise badhayein?
Existing loans band karo, co-applicant (spouse) jodo — dono ki income count hoti hai, lambi tenure lo, ya credit score 750+ rakho jisse better rate mile.