Tools
Home-loan eligibility
How much home loan you can get on your income — and the Pune home budget it supports, using banks' income and loan-to-value rules.
Take-home pay, all applicants together.
Car, personal or other loans you are already paying.
- EMI banks may allow (50% of income, less existing EMIs)
- ₹75,000
- Loan you could get
- ₹86,42,313
- Home budget it supports (loan up to 75% of the price)
- ₹1,15,23,084
Rates last checked 2026-10-13. Confirm with your Sub-Registrar or bank before you pay.
How it's calculated
EMI you can take on = 50% of your net monthly income, minus the EMIs you already pay.
Loan = the amount that EMI repays at your interest rate over your tenure.
Home budget = the price at which that loan is the most a bank will lend (90% for loans up to ₹30 lakh, 80% up to ₹75 lakh, 75% above that). You pay the rest, plus stamp duty and registration.
FAQs
They let all your EMIs together take up to about 50% of your net income, then lend only part of the property's price (90% for loans up to ₹30 lakh, 80% up to ₹75 lakh, 75% above that).
More property tools
- Stamp duty calculatorStamp duty, metro cess and registration in Pune & PCMC
- All-in cost of buyingPrice + stamp duty + registration + GST
- EMI calculatorMonthly EMI, interest and repayment schedule
- Rent vs buyWhich leaves you better off, year by year
- Area converterSq ft, sq m, guntha, acre, hectare and more
Want exact numbers for a specific flat? Talk to a Pune Home expert.