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Loan eligibility · M21

What home loan are you eligible for?

Indicative pre-qualification using the standard banker rule (50% EMI cap on net income). Partner-bank pre-qualification with credit-score check is available on request — talk to an advisor.

Your inputs

All values pre-tax / take-home equivalents at your discretion. Banker rule of thumb: aggregate EMI obligations should not exceed 50% of net monthly income.

Car loan + personal loan + credit cards EMI total.

Optional — used to narrow which lenders you qualify for. Default 750 (good).

Eligible EMI

₹75,000/month

At 8.5% over 20 years.

Eligible loan

₹86.42 L

Validated EMI ≈ ₹75,000/month — matches the cap above.

Property you can buy

₹1.08 Cr

Loan 80% + down payment 20%.

Browse projects under ₹1.08 Cr

Indicative only. Actual eligibility depends on credit score, employer category, age, and the bank's underwriting. Talk to an advisor for a partner-bank pre-qualification.

Lenders matched to your profile

Filtered by net income (₹1,50,000/mo) and credit score (750). Sorted: eligible first, then by lowest interest rate. Rate ranges are public marketing values; actual rate depends on bank underwriting.

  • Bank of Baroda

    BOB · psu bank

    Rate range
    8.4% – 10.65%
    Max LTV
    90%
    Max tenure
    30 yrs
    Processing fee
    0.5%

  • Bajaj Housing Finance

    BAJAJHF · housing finance

    Rate range
    8.5% – 11.5%
    Max LTV
    90%
    Max tenure
    30 yrs
    Processing fee
    0.5%

  • HDFC Bank

    HDFC · private bank

    Rate range
    8.5% – 9.4%
    Max LTV
    90%
    Max tenure
    30 yrs
    Processing fee
    0.5%

  • LIC Housing Finance

    LICHFL · housing finance

    Rate range
    8.5% – 10.75%
    Max LTV
    90%
    Max tenure
    30 yrs
    Processing fee
    0.5%

  • PNB Housing Finance

    PNBHF · housing finance

    Rate range
    8.5% – 11.95%
    Max LTV
    90%
    Max tenure
    30 yrs
    Processing fee
    0.5%

  • State Bank of India

    SBI · psu bank

    Rate range
    8.5% – 9.65%
    Max LTV
    90%
    Max tenure
    30 yrs
    Processing fee
    0.35%

  • Axis Bank

    AXIS · private bank

    Rate range
    8.75% – 13.3%
    Max LTV
    90%
    Max tenure
    30 yrs
    Processing fee
    1%

  • ICICI Bank

    ICICI · private bank

    Rate range
    8.75% – 9.85%
    Max LTV
    90%
    Max tenure
    30 yrs
    Processing fee
    0.5%

  • IIFL Home Loans

    IIFL · nbfc

    Rate range
    8.75% – 14%
    Max LTV
    85%
    Max tenure
    25 yrs
    Processing fee
    1%

  • Tata Capital Housing Finance

    TATAHF · housing finance

    Rate range
    8.75% – 12%
    Max LTV
    90%
    Max tenure
    30 yrs
    Processing fee
    0.5%