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Does CalcHub support multiple currencies?

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How accurate are the currency exchange rates?

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Home Loan Eligibility Calculator

Check how much home loan you can get based on your income, expenses, and credit score. Estimate your maximum mortgage amount instantly.

Retirement

Savings Goal

Find out the maximum home loan amount you qualify for based on your monthly income, existing debts, and current interest rates. Banks typically allow a debt-to-income ratio of 40-50%, meaning your total EMIs should not exceed that threshold.

Tips for Home Loan Eligibility

Banks generally approve home loans where total EMIs (including existing debts) are under 40-50% of gross income

A higher credit score (750+) can increase your eligible loan amount by 10-20%

Adding a co-applicant's income can significantly boost your loan eligibility

Frequently Asked Questions

How much home loan can I get on my salary?

As a rough rule, you can borrow up to 60x your monthly salary for a home loan. For example, with a $6,000 monthly salary, you may be eligible for up to $360,000 — though the exact amount depends on interest rates, existing debts, and your credit score.

Does credit score affect home loan eligibility?

Yes, significantly. A score above 750 gets you the best rates and highest eligible amounts. Below 650, most banks will either reject the application or charge higher interest, reducing the amount you qualify for.

Last updated: April 2026

Data sources: Standard mathematical formulas

For informational purposes only. Not financial, medical, or legal advice. Always consult a qualified professional for decisions affecting your finances or health.

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