Find out how much house you can realistically afford based on your income, savings, debts, and the current interest rate environment.
Banks typically limit your total EMI obligations (including the new home loan) to 40–50% of your gross monthly income. This is called the EMI-to-Income ratio. We use 40% as the safe limit in this calculator.
A common guideline: housing expenses should not exceed 28% of gross monthly income, and total debt obligations should not exceed 36%. This keeps your finances stable.