Free Eligibility Check
Am I Eligible for a Home Loan?
Check your eligibility in 2 minutes — based on income, employment, and credit profile. No credit impact, no commitment.
No CIBIL impact Free to check Result in 2 minutes
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Quick Reference
How Much Loan Can I Get on My Salary?
Approximate eligibility based on net monthly take-home income, 20-year tenure at 8.75% p.a. Actual eligibility varies by lender and profile.
| Net Monthly Salary | Approx. Loan Eligible | Estimated Monthly EMI |
|---|---|---|
| ₹30,000/month | ₹10–14 Lakhs | ~₹12,000–15,000 |
| ₹50,000/month | ₹18–22 Lakhs | ~₹18,000–22,000 |
| ₹75,000/month | ₹28–35 Lakhs | ~₹27,000–33,000 |
| ₹1,00,000/month | ₹38–48 Lakhs | ~₹36,000–45,000 |
| ₹1,50,000/month | ₹55–70 Lakhs | ~₹52,000–65,000 |
| ₹2,00,000+/month | ₹75 Lakhs–₹1.5 Cr | Based on profile |
*Approximate figures. Assumes no existing EMIs. Final amount subject to lender assessment and property valuation.
General Eligibility Criteria
CIBIL score 700+
Stable income (salaried or self-employed)
Minimum age 21, maximum 65 at loan maturity
Indian citizen or NRI
Active debt default or bankruptcy
CIBIL score below 650
Documents You Will Need
Aadhaar card + PAN card
Last 3 months salary slips (salaried)
2 years ITR + P&L statement (self-employed)
6 months bank statements
Property documents (sale agreement / allotment letter)
Passport-size photographs
FAQ
Home Loan Eligibility — Questions Answered
How much home loan can I get on my salary?+
As a general rule, lenders allow a home loan EMI of up to 40–50% of your net monthly income. On a ₹60,000/month net salary, you could typically qualify for an EMI of ₹24,000–₹30,000, which translates to a loan of approximately ₹20–₹25 Lakhs at current rates over 20 years. Higher income, longer tenure, and lower existing EMIs all improve your eligible amount.
What is the minimum CIBIL score for a home loan?+
Most banks require a minimum CIBIL score of 700–720 for home loan approval. Scores of 750+ typically get the best rates. Scores between 650–700 may qualify with select NBFCs at slightly higher rates. If your score is below 650, improving it before applying will significantly help.
Can self-employed people get a home loan?+
Yes. Self-employed individuals — business owners, professionals, freelancers — can get home loans. Typical requirements: minimum 3 years in the same profession, annual income of ₹3 Lakhs or more, 2 years of ITRs and audited financials, and a CIBIL score of 720+. Rates start from 8.9% p.a. for self-employed profiles.
Does checking eligibility affect my CIBIL score?+
No. Checking your eligibility with Taksh Fin is a soft enquiry and does not affect your CIBIL score. Your score is only impacted when a lender performs a hard pull during actual loan processing — which only happens after you formally apply and choose a lender.
What is the maximum home loan amount I can get?+
There is no fixed maximum, but lenders typically fund up to 90% of the property value for loans below ₹30 Lakhs, 80% for ₹30L–₹75L, and 75% for loans above ₹75 Lakhs. The maximum is also capped by your repayment capacity based on income and existing obligations.