Loans · 6 min read · 7 Jul 2026

How much home loan can you get on your salary?

Lenders look at how much of your income is already going to EMIs. Here is a simple way to estimate your limit.

The income rule lenders use

Most lenders keep your total EMIs, including the new loan, within 40% to 55% of your net monthly income.

Adding an earning co-applicant, choosing a longer tenure or closing small existing loans can all raise the amount you can borrow.

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