Home Loan on ₹1,00,000 Salary
How much you can borrow
₹57,61,542 loan
With a net monthly salary of ₹1,00,000 and no other EMIs, banks usually allow an EMI of up to ₹50,000. At 8.5% for 20 years, that means a home loan of about ₹57,61,542, enough for a property of around ₹72,01,927 with a 20% down payment.
Eligible loan by tenure (8.5%)
| Tenure | Eligible loan | EMI |
|---|---|---|
| 10 years | ₹40,32,723 | ₹50,000 |
| 15 years | ₹50,77,485 | ₹50,000 |
| 20 years | ₹57,61,542 | ₹50,000 |
| 25 years | ₹62,09,428 | ₹50,000 |
| 30 years | ₹65,02,682 | ₹50,000 |
Eligible loan by interest rate (20 years)
| Rate | Eligible loan | Property value |
|---|---|---|
| 7.5% | ₹62,06,607 | ₹77,58,258 |
| 8% | ₹59,77,715 | ₹74,72,143 |
| 8.5% | ₹57,61,542 | ₹72,01,927 |
| 9% | ₹55,57,248 | ₹69,46,560 |
| 9.5% | ₹53,64,052 | ₹67,05,065 |
Assumes up to 50% of net income can go to EMIs. Banks also check credit score, age and job stability.
Try your own numbers
Eligible loan
₹57,61,542
≈ ₹57.62 Lakh
- Max EMI you can pay
- ₹50,000
- Property you can buy (20% down)
- ₹72,01,927
- Down payment needed
- ₹14,40,385
- Total interest
- ₹62,38,458
Estimates only. Actual figures may vary with your bank, fund or policy.
How it worksBanks usually allow total EMIs up to about 50% of your net monthly income. Your eligible loan is what that EMI can repay over the tenure.