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Home Loan Affordability Calculator

Determine the maximum home price you can afford based on your income, down payment and loan tenure.

Monthly income₹75,000

Down payment %20%

Interest rate8.5%

Loan tenure20 yrs

Existing EMIs₹0

Affordable home value

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Loan amount

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Down payment needed

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Monthly EMI

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Home loan tips from Guhan Capitals

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Keep EMI below 40% of income

Banks prefer FOIR under 50%, but 40% gives you comfortable breathing room for other expenses.

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Higher down payment = lower EMI

Paying 30-40% down reduces your loan burden and gets better interest rates from banks.

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Compare rates across banks

Even a 0.5% difference in rate can save you ₹3-4 lakhs over a 20-year loan. See our bank partners →

Free consultation · Best rates from 12+ banks