लोन पात्रता कैलकुलेटर — आप कितना लोन पा सकते हैं?
अपनी लोन पात्रता तुरंत जांचें। मुफ़्त ऑनलाइन लोन पात्रता कैलकुलेटर।
उपयोग कैसे करें
- Enter your monthly net (take-home) income.
- Enter your total existing monthly EMI obligations (car loan, personal loan, etc.).
- Enter the interest rate and desired tenure. Click Calculate to see your maximum loan eligibility.
फॉर्मूला
Available EMI = 50% of Net Income − Existing EMIs
Eligible Loan = Available EMI × ((1+r)ⁿ − 1) / (r × (1+r)ⁿ)
Where: r = Monthly interest rate | n = Tenure in months
उदाहरण गणना
Example: ₹50,000 monthly income, ₹5,000 existing EMI, 8.5% rate, 20 year tenure
| Parameter | Value |
|---|---|
| Monthly Income | ₹50,000 |
| Max Allowable EMI (50%) | ₹25,000 |
| Existing EMIs | ₹5,000 |
| Available EMI | ₹20,000 |
| Loan Eligibility (8.5%, 20 yr) | ≈ ₹23,21,000 |
अक्सर पूछे जाने वाले प्रश्न
Banks typically allow maximum EMI of 40–50% of your net monthly income. They subtract existing loan EMIs from this limit to determine your eligible EMI, then calculate the loan amount.
You can increase eligibility by adding a co-applicant, increasing income, closing existing loans, choosing a longer tenure, or opting for a lower interest rate through a higher credit score.
Yes. A higher CIBIL score (750+) can get you a lower interest rate, which increases your loan eligibility. A low score may result in rejection or higher rates.
FOIR = Total Fixed Obligations ÷ Gross Monthly Income. Most banks cap FOIR at 40–50%. A lower FOIR means higher loan eligibility.
Yes. By adding your spouse as a co-applicant, their income can be clubbed with yours, significantly increasing your combined loan eligibility.
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