Home Loan on a ₹1,00,000 Salary
See the maximum home loan on a ₹1,00,000 monthly salary in India using the bank FOIR rule. Free, no signup.
Maximum home loan on a ₹1,00,000 salary
| EMI as % of income (FOIR) | Max loan (8.5%, 20 yrs) |
|---|---|
| 40% (₹40,000/mo EMI) | ₹4,609,234 |
| 50% (₹50,000/mo EMI) | ₹5,761,542 |
Banks cap total EMIs at ~40–50% of net income (FOIR). Existing loans reduce eligibility. Assumes 8.5% for 20 years.
How much can you get?
On ₹1,00,000/month net salary, with EMI at 50% (₹50,000), you could qualify for about ₹5,761,542 at 8.5% over 20 years. Use the affordability tool for your exact eligibility.
Frequently Asked Questions
How much home loan can I get on a ₹1,00,000 salary?
At an EMI of 50% of income (₹50,000/month), 8.5% for 20 years, roughly ₹5,761,542. Banks cap total EMIs at ~40–50% of net income; existing loans reduce this.
What is the FOIR rule?
Fixed Obligation to Income Ratio — banks limit your total monthly EMIs to ~40–50% of net income.
Does my credit score matter?
Yes — CIBIL 750+ improves eligibility and the rate, raising the loan you can afford.
How to increase eligibility?
Add a co-applicant's income, choose a longer tenure, clear existing loans, or improve your credit score.