What is FOIR and how does it affect my loan eligibility?

Fixed Obligation to Income Ratio (FOIR) is the percentage of your net monthly income that can go towards all EMI payments combined. Most Indian banks cap this at 40—55%. If your existing EMIs already consume 30% of income, only the remaining 20—25% is available for a new home loan EMI.

Why does my downpayment limit my affordability even when my income is high?

Banks fund only a maximum of 80% of the property value (LTV). Your downpayment must cover the remaining 20% plus registration and stamp duty costs (5—7%). So even with a high income, a small downpayment creates a hard ceiling on your maximum loan.

How can I increase my maximum property affordability?

The three levers are: (1) Clear existing EMIs to free up FOIR headroom, (2) Save for a larger downpayment to raise the LTV ceiling, (3) Add a co-applicant to combine incomes and increase bank eligibility.

Property Affordability

Calculate your maximum home loan eligibility and property budget based on your income, existing EMIs, and available downpayment using the FOIR and LTV rules.

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Last verified May 2026

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