“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
- Enter Annual Income (Gross salary + bonuses)
- Add Existing EMIs (Car loan, personal loan, etc.)
- Select State (Auto-calculates stamp duty)
- Choose Gender (Women get lower stamp duty)
- 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!
“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
- RBI Home Loan Guidelines: https://www.rbi.org.in (Policy reference)
- Stamp Duty Rates by State: https://www.proptiger.com/guide/post/stamp-duty-charges-in-india (Data source)
- CIBIL Score Check: https://www.cibil.com (Credit score resource)