How it works
The grid shows what loan principal would produce that EMI at the given interest rate and tenure. Increase tenure → larger affordable loan but more total interest. Increase EMI/income → larger loan but tighter monthly budget.
EMI / income ratio guidance
- 30% — conservative; recommended if you have other major obligations or a single-earner household
- 40% — standard / typical; what most banks consider an acceptable upper limit for residential home loans
- 50% — aggressive; what banks may approve for high earners but leaves little room for emergencies
- > 50% — usually rejected unless co-applicant adds income, or if the property is the primary asset purchase
Banks also consider fixed obligations to income (FOIR), which includes existing EMIs, credit card minimums, and other recurring debts. Lower your existing-EMI burden to widen home-loan eligibility.
Reading the heatmap
Each row is a monthly income level. Each column is a loan tenure. The cell shows the maximum loan amount you'd qualify for at that combination, assuming the EMI-to-income ratio above and the entered interest rate.
Use it to scan trade-offs quickly: e.g. "I can afford a ₹50 L loan at ₹70K income over 25 years, or ₹40 L over 20 years." Pick the cell that matches your target property price and tenure tolerance.