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Home Loan Eligibility + EMI Calculator 2026

Quick Answer: Indian banks typically offer home loans up to 60× your monthly net salary. Maximum LTV (Loan to Value): 75-90% of property value. Current home loan rates: 8.5-9.5% p.a. (2026). Use this calculator to find your exact eligibility and EMI.
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⚡ Home Loan EMI + Eligibility Calculator

Home loan eligibility depends on: monthly income, age, existing EMIs, credit score, and employment type. Banks typically allow total EMI burden (all loans) to be maximum 50% of net monthly income. A CIBIL score above 750 gets you the best interest rates. Self-employed applicants need 2 years of ITR.
Home Loan Application Steps:
  1. Check CIBIL score (free at cibil.com), aim for 750+
  2. Compare rates across banks (SBI, HDFC, ICICI, Axis, Kotak)
  3. Submit application with: ITR 2 years, 6-month salary slips, bank statements
  4. Bank does property valuation and legal check
  5. Loan sanction letter issued (7-15 days)
  6. Disbursement after registration (partial or full)
  • CIBIL Score, cibil.com (free annual check)
  • SBI Home Loan, sbi.co.in/web/home-loans
  • HDFC Bank, hdfcbank.com/home-loans
  • NHB RESIDEX, nhb.org.in (property price index)
  • PMAY (Subsidy), pmaymis.gov.in (check eligibility)
  • CIBIL score check (750+ preferred)
  • Last 2 years ITR (Income Tax Returns)
  • Last 6 months salary slips
  • Last 12 months bank statements
  • PAN + Aadhaar
  • Employment ID proof
  • Property documents (for existing property)
  • Clear all small existing loans before applying

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Related Resources

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