Home Loan Eligibility Checker
Enter your income details and see how much loan you qualify for across 8 major lenders — SBI, HDFC, ICICI, Kotak and more.
Used to apply RBI LTV limits (80–90%)
Affects max tenure (lenders cap at 60 yrs)
Tips to Maximise Your Loan Eligibility
Clear existing EMIs before applying — every ₹5K saved in EMI can add ₹5–8L to your eligible amount.
Add a co-applicant (spouse or parent). Lenders club incomes, significantly raising the eligible amount.
Choose a longer tenure (25–30 yrs). Lowers EMI per rupee borrowed, increasing max loan amount.
Maintain a CIBIL score of 750+. Banks offer preferential rates (0.1–0.25% lower) to high-score borrowers.
File ITRs for 3+ years. Self-employed applicants get better treatment with consistent income proof.
Apply before salary day. Some banks snapshot your account balance — a healthy balance signals stability.