₹1,00,000 salary, 50% FOIR, 9% rate, 20 saal — max loan ≈ ₹55,57,248 (lagbhag ₹55.6L) with ₹50,000/month EMI capacity. Neeche tenure ka poora comparison:
Home Loan Eligibility Calculator (₹1L Salary)
Tenure ka khel — 10 se 30 saal tak (50% FOIR @ 9%)
| Tenure | Max Home Loan | Total Interest* |
|---|---|---|
| 10 saal | ₹39,47,085 | ~₹20.5L |
| 15 saal | ₹49,29,670 | ~₹40.7L |
| 20 saal | ₹55,57,248 | ~₹64.4L |
| 25 saal | ₹59,58,081 | ~₹90.4L |
| 30 saal | ₹62,14,093 | ~₹1.18Cr |
*Total interest = EMI × months − loan amount, approximate.
Ye table sabse important insight deta hai: 20 se 30 saal karne par loan sirf ₹6.6L badhta hai, lekin total interest ₹64L se ₹1.18Cr tak phat jata hai. Diminishing returns clear hai — tenure ke pehle 10 saal loan amount ko achhi tarah badhate hain, uske baad mostly bank ka fayda hota hai, tumhara nahi. Agar ₹50,000 EMI afford kar sakte ho, to 20 saal tenure best balance hai.
₹55.6L se kaisa ghar milega?
20% down payment ke saath ₹55.6L loan ka matlab property value lagbhag ₹69.5 lakh (loan ÷ 0.80, down payment ~₹13.9L). Is budget me:
- Tier-2 cities (Patna, Lucknow, Bhopal): 2–3BHK aasani se mil sakta hai.
- Tier-1 outskirts (Noida extension, Bangalore ke peripheral areas, Hyderabad outskirts): 2BHK possible hai.
- Metro main locations: ₹70L me options tight — yahan ya to location compromise karo ya joint loan ka option dekho.
Joint home loan — spouse ke saath double power
Agar tumhari salary ₹1L hai aur spouse ki ₹50,000, to joint home loan par dono ki income judi jaati hai. Combined income ₹1.5L → 50% FOIR par combined EMI capacity ₹75,000 → 20 saal @9% par max loan lagbhag ₹83 lakh. Single applicant ke ₹55.6L se ye ~50% zyada hai. Bonus: dono co-owners ho to dono ko tax benefit bhi alag-alag mil sakta hai (old regime me). Joint loan me dono ka CIBIL bhi check hota hai — dono ka score 750+ rakhna behtar hai.
Tax benefit bhi yaad rakho (old regime)
Old tax regime chunte ho to home loan par do bade deductions milte hain: Section 24(b) me interest par saal me ₹2 lakh tak, aur Section 80C me principal repayment par ₹1.5 lakh tak. New regime me ye deductions generally nahi milti. Loan lene se pehle apne CA se dono regime ka comparison zaroor karwao — kabhi-kabhi old regime ka tax saving EMI ke ek mahine ka kharcha nikal deta hai.
Eligibility badhane ke quick tips
- Existing EMIs clear karo — ₹10,000 ki existing EMI matlab eligibility me ~₹11L ka cut (9%, 20 saal).
- CIBIL 750+ rakho — behtar score par rate kam milta hai, aur kam rate me same EMI par thoda zyada loan milta hai.
- Tenure 15 se 20 saal rakho — 30 saal ka extra interest tumhe crore me padega.
- Spouse ko co-applicant banao — combined income se eligibility 30–50% badh sakti hai.
- Zyada down payment — loan amount kam, to kam eligibility me bhi bada ghar.
FAQs
₹1 lakh salary par kitna home loan milega?
50% FOIR, 9% interest rate aur 20 saal ki tenure par ₹1,00,000 monthly salary wale ko lagbhag ₹55.6 lakh ka home loan mil sakta hai. Monthly EMI capacity hogi ₹50,000. Ye estimate hai — final amount CIBIL score, existing EMIs aur bank policy par depend karta hai.
Home loan ke liye 20 saal tenure better hai ya 30 saal?
EMI capacity same rahe to 30 saal par loan amount sirf ~₹6.6L zyada milta hai (₹55.6L vs ₹62.1L), lekin total interest bahut zyada ho jata hai. Isliye eligibility ke liye 20 saal ka balance best hai — zyada loan ke saath interest bhi control me rehta hai. Agar EMI afford kar sakte ho to 20 saal tenure chuno.
Joint home loan par kitna zyada loan milega?
Spouse ko co-applicant banane par dono ki income judi jaati hai. Agar dono ki combined salary ₹1.5L hai to 50% FOIR par combined EMI capacity ₹75,000 ho jayegi, jisse 20 saal @9% par lagbhag ₹83 lakh ka loan mil sakta hai — single applicant se ~50% zyada.
₹55.6 lakh ke loan par down payment kitna dena hoga?
Banks aam taur par property value ka 80-90% tak loan dete hain. ₹55.6L loan ka matlab property value lagbhag ₹69.5 lakh (20% down payment = ~₹13.9L). Agar 10% down payment wali scheme mili to property ~₹61.8L tak bhi possible hai, lekin 20% down dena safe rehta hai.
Home loan par tax benefit kaise milta hai?
Old tax regime me Section 24(b) ke tahat home loan ke interest par saal me ₹2 lakh tak deduction, aur Section 80C me principal repayment par ₹1.5 lakh tak deduction milti hai. New regime me ye deductions generally nahi milti — loan lene se pehle apne CA se regime compare zaroor karwao.
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