Check how much loan you can get based on your income, credit score, existing EMIs, and other financial factors. Get personalized eligibility assessment instantly.
тАв FOIR (Fixed Obligation to Income Ratio): Maximum 65% of income for salaried, 55% for self-employed
тАв Credit Score: Higher scores get better rates and higher eligibility
тАв Employment Type: Salaried applicants typically get higher eligibility
тАв City Tier: Metro cities have higher eligibility limits
тАв Age: Affects maximum loan tenure
| Loan Type | Max FOIR | Max Tenure | Max Amount | Min Income | Min CIBIL | Key Requirements |
|---|---|---|---|---|---|---|
| Personal Loan | 65% | 5-7 years | тВ╣50 Lakh | тВ╣25,000/month | 650+ | Salary slip, bank statements |
| Home Loan | 50-60% | 30 years | тВ╣10 Crore | тВ╣30,000/month | 700+ | Property documents, ITR |
| Car Loan | 60% | 7 years | тВ╣1 Crore | тВ╣20,000/month | 650+ | Car details, income proof |
| Education Loan | 40-50% | 15 years | тВ╣1.5 Crore | N/A | N/A | Admission proof, co-applicant |
This is an indicative calculation. Actual loan eligibility may vary based on lender policies, documentation, and other factors. Final approval is at the sole discretion of the lending institution.
тАв Income stability and growth prospects
тАв Credit history and repayment behavior
тАв Employment type and job security
тАв Existing financial commitments
тАв Age and repayment capacity