Agar tumhari in-hand salary ₹75,000/month hai, koi purani EMI nahi hai aur bank 50% FOIR lagata hai, to tum lagbhag ₹37,500/month EMI afford kar sakte ho — 8.5% rate par 20 saal ke liye ye lagbhag ₹43.2 lakh ke home loan ke barabar hai. Apni salary upar daalo, apna number khud dekho.
Home Loan Eligibility Calculator
Bank eligibility nikalta kaise hai? FOIR ka khel
Bank tumhe loan dene se pehle ek seedha sa hisaab lagata hai: tumhari monthly income ka kitna hissa pehle se EMI me ja raha hai, aur kitna aur ja sakta hai? Isi ratio ko FOIR (Fixed Obligation to Income Ratio) kehte hain. Zyadatar bank home loan ke liye 50–60% FOIR rakhte hain — matlab tumhari saari EMIs (purani + nayi) milakar income ke 50–60% se zyada nahi honi chahiye.
Upar ke example me: income ₹75,000, FOIR 50% → kul EMI ki seema ₹37,500. Purani EMI shunya hai, to poori seema nayi EMI ke liye khali hai. Is EMI par 8.5% rate aur 20 saal ki tenure ulta hisaab (annuity formula) lagakar loan amount ₹43,21,156 nikalta hai. Calculator bilkul yahi karta hai — bas ulta: EMI se loan tak.
Eligibility badhane ke 5 practical tareeke
- Purane chhote loans band karo: Ek ₹5,000 ki purani EMI bhi tumhari eligibility se lagbhag ₹5.8 lakh ka loan kaat deti hai. Home loan se pehle chhote loans foreclose karna sabse tez ilaaj hai.
- Co-applicant jodo: Spouse ya parent ki income judne se FOIR ki seema badh jati hai aur eligibility lagbhag income ke अनुपात me badhti hai.
- Lambi tenure chuno: Tenure badhne se EMI kam hoti hai, isliye usi EMI seema me bada loan fit ho jata hai. Haan, total interest badhega — ye samjhota soch-samajh kar karo.
- Credit score 750+ rakho: Score kamzor ho to kuch bank FOIR sakht kar dete hain ya rate badha dete hain.
- Down payment zyada rakho: Eligibility kam pad rahi ho to property ka budget thoda ghata kar ya bachat jodkar loan amount seema ke andar lao.
Ek zaroori chetavni: eligible ≠ affordable
Bank jo rakam "eligible" batata hai, wo uski risk-seema hai — tumhare ghar ke budget ki seema nahi. Agar ₹37,500 EMI par tumhare kharche, bachat aur emergency fund dabne lagein, to bank ki seema se neeche ka loan hi sahi hai. EMI ke baad kam se kam 6 mahine ke kharche jitni bachat alag rehni chahiye. Hamari salah: pehle apna budget dekho, phir bank ka number.
FAQs
Home loan eligibility ke liye minimum salary kitni chahiye?
Koi ek all-India number nahi hai — sheher aur bank ke hisaab se badalta hai. Bade shehron me zyadatar bank ₹25,000–₹40,000/month se neeche ki salary par home loan mushkil dete hain. Asli seema FOIR se banti hai: tumhari income ka 50–60% hi EMI me ja sakta hai.
Kya rental income ya bonus eligibility me juda jata hai?
Haan, kai bank regular rental income aur saal-dar-saal milne wale bonus/performance pay ka ek hissa (aam taur par pichhle 2–3 saal ke average par) income me jodte hain. Iske liye rent agreement, bank credit entries aur Form 16/ITR jaise saboot chahiye hote hain.
Self-employed ki eligibility salaried se alag kaise hoti hai?
Self-employed ke liye bank ITR ki declared income dekhta hai — yahi sabse badi kasauti hai. Tax bachane ke liye income kam dikhayi ho to eligibility bhi kam banegi. 2–3 saal ke ITR, GST returns aur bank statement ke basis par hisaab lagta hai.
Joint home loan me eligibility kaise badhti hai?
Co-applicant ki income tumhari income me jud jati hai, isliye FOIR ki kul seema badh jati hai. Dhyaan rahe — co-applicant ki apni EMIs bhi kul bojh me judengi, aur co-applicant ko property me co-owner banana kai jagah zaroori hota hai (tax benefit ke liye khaas taur par).
Eligibility calculator ka number bank ke number se alag kyun aata hai?
Har bank ka FOIR slab, income ki definition (gross vs in-hand) aur existing obligations ginne ka tareeka thoda alag hai. Calculator ek imandaar estimate deta hai; final number bank ki credit policy tay karti hai.
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