RapidCheck

Home Loan Eligibility Checker

Find out how much home loan you may qualify for based on your income.

Last updated: 20 Aug 2026

Quick answer

Home loan eligibility uses FOIR — lenders let your total EMIs be up to about 50% of net monthly income, then convert the affordable EMI into a loan using the rate and tenure. Enter your income, existing EMIs, rate and tenure above for an estimate.

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Estimate your home loan eligibility using the FOIR method lenders apply — your affordable EMI (after existing obligations) converted into a loan amount at your rate and tenure.

How to check home loan eligibility

  1. 1 Enter your net monthly income and existing EMIs.
  2. 2 Add the expected interest rate and tenure.
  3. 3 We compute your affordable EMI and eligible loan amount.

Frequently asked questions

How is home loan eligibility calculated?
Lenders cap total EMIs at roughly 50% of net income (FOIR), then convert the affordable EMI into a principal using your rate and tenure.
How can I increase eligibility?
Add a co-applicant, choose a longer tenure, clear existing EMIs, or improve your credit score.
Is this the sanctioned amount?
It is indicative; the bank also considers credit score, property value (LTV) and employer profile.

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