See how much home loan you could get in Kolkata. Enter your details for an instant, indicative estimate — then let us fetch your exact offers from leading banks, free.
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| Age | 21 to 65 years (must close the loan by retirement/70). |
|---|---|
| Income | Steady salaried or self-employed income; higher income widens eligibility. |
| Credit score | A CIBIL score around 700+ improves approval odds and rate. |
| Obligations | Total EMIs (existing + new) should stay within ~50% of net income (FOIR). |
| Property value | Banks typically fund 75–90% of the property value (LTV). |
| Documents | ID/address proof, income proof (salary slips / ITR), bank statements, property papers. |
Your take-home pay minus current EMIs sets the EMI you can afford — and therefore the loan.
A lower rate means a bigger loan for the same EMI. We compare lenders to find you the best.
A longer tenure lowers the monthly EMI (so a larger loan), but you pay more interest overall.
A clean repayment record and higher score can raise both your limit and your approval odds.
Younger borrowers can take longer tenures, which increases the eligible amount.
Lenders look at your net monthly income, existing EMIs, the interest rate and tenure. Your combined EMIs are usually capped at about half your income (the FOIR). This calculator applies that logic to estimate your eligible loan and EMI.
No — it is an indicative estimate. Your actual sanction depends on the lender, your credit score, employer, property and documents. We check with our partner banks and get you exact offers, free.
As a rule of thumb, your total EMIs stay within roughly half your net monthly income. Enter your figures above for an instant estimate, then ask us for a free, precise assessment.
We help you compare home-loan offers from leading banks and housing-finance companies, and handle the paperwork end to end.
No. Your first consultation and eligibility check are free. Any fees, if you proceed, are told to you clearly and upfront.