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How much home can you afford?

Banks lend up to ~50× your monthly net income. Here's a realistic top-of-budget number.

40% is a safe ceiling. 50% is the upper limit lenders go to.

Max EMI you should commit

₹1,20,000

Max home-loan amount

₹1,37,27,421

Max property value

₹1,57,27,421

How this works

We use a simple model: your maximum monthly EMI should not exceed ~40% of your net monthly income. With that EMI ceiling and a chosen interest rate and tenure, we back-calculate the maximum home loan. We add your planned down payment to get the maximum property value.

The rule of thumb

EMI ≤ 40% of net monthly income keeps you safe through interest-rate cycles. Going above 50% is where most over-leveraged buyers regret it 2 years later.