Home Loan Affordability Calculator (2025) 

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“Wondering How Much Home Loan You Can Get in India?”

Buying a home in India? Use our free Home Loan Affordability Calculator to:
✅ Check loan eligibility based on income
✅ Calculate state-wise stamp duty (men/women rates)
✅ Estimate monthly EMI for 10-30 year tenures
✅ Compare registration charges across states

Home Loan Affordability Calculator

How to Use This Calculator

  1. Enter Annual Income (Gross salary + bonuses)
  2. Add Existing EMIs (Car loan, personal loan, etc.)
  3. Select State (Auto-calculates stamp duty)
  4. Choose Gender (Women get lower stamp duty)
  5. View Results (Max loan amount + total costs)

Example: A ₹15L salary in Mumbai can afford a ₹75L home (20% down payment, 8.5% interest).

Why Use Our Calculator? 

✔ State-Specific Accuracy: Accounts for stamp duty discounts for women (e.g., 5% vs 6% in Maharashtra).
✔ Total Cost Breakdown: Includes registration fees + GST (unlike bank calculators).
✔ EMI Optimization: Suggests loan tenures to reduce interest payments.

Did You Know? In Delhi, women pay 4% stamp duty vs 6% for men!

home loan eligibility

“Plan Your Home Purchase Smarter!”
📌 Bookmark this page to revisit calculations
📌 Share with family planning to buy property
📌 Check Your CIBIL Score first for better loan terms

  1. RBI Home Loan Guidelineshttps://www.rbi.org.in (Policy reference)
  2. Stamp Duty Rates by Statehttps://www.proptiger.com/guide/post/stamp-duty-charges-in-india (Data source)
  3. CIBIL Score Checkhttps://www.cibil.com (Credit score resource)
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