🏦 Instant Eligibility Check
Loan Eligibility Checker
Check maximum loan amount, safe EMI capacity, rate-shock risk, co-applicant boost, and whether your target home, car, or personal loan is realistically affordable.
🏠 Home Loan
💳 Personal Loan
🚗 Car Loan
🏦 Select Loan Type
👤 Your Details
Take-home salary after tax deductions
Rental, freelance, interest, etc.
📊 Credit & Obligations
300 (Poor)600750900 (Excellent)
Total of all current EMIs (home, car, personal, credit card)
⚙️ Loan Preferences
Typical home loan rate: 8.25% – 9.5%
See how your EMI behaves if rates rise after sanction.
Add spouse/parent income for stronger home loan eligibility.
Optional: compare your eligible loan to the amount you actually need.
Useful for home and car loans to check whether your budget is realistic.
Advanced affordability planner
Model dual income, target purchase value, cash down payment, and higher-rate stress in one place.
✅ Your Loan Eligibility
Update the inputs to see your personalized eligibility snapshot.
Max Eligible Amount
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Suggested EMI
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Total Interest
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Total Payable
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Comfortable EMI Cap
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Rate-Shock EMI
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Income Needed for Target
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CIBIL Assessment
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📊 Compare Across Loan Types
| Parameter | 🏠 Home Loan | 💳 Personal | 🚗 Car Loan |
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📈 Affordability & Repayment Charts
💡 Tips to Improve Eligibility
🧭 Decision Map
Best for
Stable income + clear borrowing goal
Red flag
Existing EMI load above 35% of income
Quick win
Add co-applicant income or improve CIBIL by 50+ points
Before applying
Compare lenders, check FOIR, and keep rate-shock buffer
🔗 Explore Related Tenhash Resources
Home Loan CalculatorEstimate EMI, taxes, prepayments, and the full property cashflow.
EMI CalculatorDeep-dive into EMI, tenure trade-offs, and total repayment.
Buy vs Rent CalculatorDecide whether buying now makes more sense than renting.
Debt Payoff CalculatorClear current EMIs faster to improve future eligibility.
House Buying GuideUnderstand down payment, hidden costs, and paperwork before borrowing.
Financial DashboardSee this loan in the context of your broader financial health.
❓ Frequently Asked Questions
What is FOIR and why does it matter? ▼
FOIR (Fixed Obligation to Income Ratio) is the percentage of your income already committed to EMIs. Banks prefer FOIR under 50-60%. If your existing EMIs are too high, your new loan eligibility drops significantly. Try to clear existing debts before applying.
How does CIBIL score affect loan eligibility? ▼
CIBIL score directly impacts both eligibility and interest rates. 750+ gets you the best rates. 700-749 may lead to 0.5-1% higher rates. Below 650, most banks will reject the application. Improve your score by paying bills on time and keeping credit utilization under 30%.
Can I add spouse's income for higher eligibility? ▼
Yes! Most banks allow co-applicant income. Add your spouse's or parent's income in "Other Monthly Income" to see combined eligibility. Joint home loans also get combined tax benefits under Section 80C and Section 24(b).
What's the maximum home loan I can get? ▼
Banks typically fund 75-90% of property value (LTV ratio). The actual eligible amount depends on your income, age, CIBIL score, and existing obligations. Government employees often get slightly better terms. The maximum tenure is usually capped at retirement age (58-60 for private, 60-65 for govt).
Home loan vs Personal loan — which is better? ▼
Home loans have much lower interest rates (8-10%) vs personal loans (10-18%), longer tenures (up to 30 years), and tax benefits (Section 24b & 80C). Personal loans are unsecured, faster to get, but expensive. Always prefer a home loan for property purchases.