Decision tool
₹75 lakh home loan affordability — income vs EMI capacity
Illustrate whether a ₹75 lakh home loan fits under a FOIR-style EMI cap for sample income, then open the live affordability and EMI calculators with the same assumptions.
Illustrative result
Assumptions: Home loan target ₹75,00,000 · take-home ₹1,50,000/mo · existing EMIs ₹10,000 · FOIR-style cap 40% · 8.50% p.a. · 25 years. Not a bank sanction.
Available EMI budget
₹50,000
EMI for target loan
₹60,392
Max loan (illustration)
₹62,09,428
Income used (approx.)
40.0%
Existing + illustrative new EMI
Sensitivity check
Same scenario with alternate assumptions—use this to avoid anchoring on a single optimistic number.
| Assumption | Result |
|---|---|
| 35% FOIR-style cap | Max loan ₹52,78,014 |
| 40% FOIR-style cap | Max loan ₹62,09,428 |
| 50% FOIR-style cap | Max loan ₹80,72,257 |
How to read this
Affordability is not only “what EMI can I pay emotionally?”—it is also how much EMI capacity remains after existing obligations under a conservative share of income. Banks apply their own FOIR, bureau and property rules; treat this as a planning screen.
Change income, existing EMIs and FOIR in the Loan Affordability calculator. Then lock a comfortable EMI on the Home Loan EMI tool before shopping for a sanction.
- Confirm the assumptions match your cash flow and time horizon.
- Stress-test a more conservative rate, tenure or FOIR in the table above.
- Open the live calculator and save or share your customised case.
FAQ
- What is FOIR in this illustration?
- A simple share of monthly income assumed available for all EMIs (existing + new). Lenders use their own policies—this site’s number is educational, not a bank rule.
- Does a “fit” mean I should take the loan?
- No. Also check emergency reserves, job stability, other goals and total interest over the tenure. Fit is a screen, not advice.
Related guides
Related scenarios
Scenario path /loans/75-lakh-home-loan-affordability · Aaru Wealth. Educational estimates only—not financial, tax or lending advice.