🏦 Instant Eligibility Check
Loan Eligibility Checker
Find out how much loan you can get based on your salary, credit score, age & existing EMIs.
🏠 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%
✅ Your Loan Eligibility
Max Eligible Amount
—
Monthly EMI
—
Total Interest
—
Total Payable
—
CIBIL Assessment
—
📊 Compare Across Loan Types
| Parameter | 🏠 Home Loan | 💳 Personal | 🚗 Car Loan |
|---|
📈 EMI Breakdown
💡 Tips to Improve Eligibility
❓ 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.