Home Loan Eligibility Calculator India 2026: Check Your Eligibility Instantly
Home Loan Eligibility Calculator India 2026
Before applying for a home loan, check your eligibility to avoid rejection.
How Banks Calculate Home Loan Eligibility
1. Income Multiplier Method
| Annual Income | Multiplier | Max Loan |
|---|---|---|
| 3-5 Lakh | 5-6x | 15-30 Lakh |
| 5-10 Lakh | 6-7x | 30-70 Lakh |
| 10-20 Lakh | 7-8x | 70L-1.6Cr |
| 20+ Lakh | 8-10x | 1.6Cr+ |
2. FOIR Method – Check FOIR guide
Factors Affecting Eligibility
- Income – Higher income = higher eligibility
- Age – Younger applicants get longer tenure
- CIBIL Score – 750+ required
- Existing EMIs – Lower EMIs = higher eligibility