Home Loan Eligibility Calculator
Ghar dekhne se pehle ye jaan lena zaroori hai ki bank aapko kitna loan de sakta hai. Bank aapki mahine ki income me se pehle chalu EMI ghatate hain, phir bache hue paise ka ek hissa hi nayi EMI ke liye maante hain. Ye calculator wahi hisaab dikhata hai.
Calculator
Kaise banta hai
Bank aam taur par mahine ki income ka lagbhag 50% tak hi kul EMI jaane dete hain (income zyada ho to thoda oopar bhi). Isme aapki pehle se chal rahi saari EMI shaamil hoti hai. Bachi hui EMI kshamta ko byaj dar aur avadhi ke hisaab se ulta ginte hain, aur wahi loan ki anumanit rakam banti hai.
Loan = EMI × [1 − (1+i)−n] / i
Teen asli misaal — number ke saath
Misaal 1 — chhoti income. Mahine ki income ₹27,000, chalu EMI ₹7,550, byaj 12%, avadhi 3 saal. Max nayi EMI ₹5,950 aur anumanit loan lagbhag ₹1,79,140.
Misaal 2 — bina purani EMI. Income ₹60,000, koi chalu EMI nahi, 8.5% byaj, 20 saal. Max EMI ₹30,000 aur loan lagbhag ₹34.7 lakh.
Misaal 3 — avadhi ka asar. Wahi ₹30,000 EMI, 8.5% byaj — 10 saal par loan lagbhag ₹24.2 lakh, aur 20 saal par ₹34.7 lakh. Avadhi badhane se loan badhta hai, par kul byaj bhi bahut badh jaata hai.
Log yahan galti kya karte hain
- Gross salary maan lena. Bank in-hand (net) salary dekhte hain, CTC nahi. CTC par hisaab lagane se number bahut oopar chala jaata hai.
- Credit card ka bakaya bhool jaana. Chalu credit card outstanding aur uska minimum due bhi aapki kshamta ghata deta hai.
- Registry aur down payment na ginna. Bank aam taur par property value ka 75-90% hi deta hai. Baaki paisa, stamp duty aur registry aapko dena hota hai.
- Credit score na dekhna. Kam score par ya to loan nahi milta ya dar oonchi ho jaati hai. Apply se pehle score dekh lein.
- Poori limit tak loan lena. Bank jitna de raha hai, utna lena zaroori nahi. EMI income ke 35-40% se neeche rakhna zyada aaram deta hai.
Bharat me khaas baatein
- LTV: Bank aam taur par property value ka 75-90% tak deta hai. Baaki down payment aapka.
- Co-applicant: Pati-patni ya maa-baap ko jodne se eligibility badh jaati hai, kyunki dono ki income judti hai.
- Umar: Loan aam taur par retirement ki umar tak hi chalta hai, isliye zyada umar par avadhi chhoti milti hai.
- Tax: Old Regime me home loan ke byaj aur mool par chhoot milti hai. New Regime me ye chhoot aam taur par nahi milti.
- Ye anuman hai: Asli eligibility bank apni policy, credit score aur documents dekh kar tay karta hai.
Ye tools bhi dekh lein
Aksar pooche jaane wale sawaal
Bank kitna home loan deta hai?
Aam taur par mahine ki income ka lagbhag 50% tak kul EMI jaane dete hain, aur property value ka 75-90% tak loan.
Eligibility kaise badhaye?
Purani EMI khatam karein, co-applicant jodein, avadhi badhayein aur credit score sudhaarein.
Kya CTC par loan milta hai?
Nahi, bank in-hand salary aur bank statement dekhte hain.
Credit score kitna chahiye?
Zyadatar bank achha score maangte hain — jitna oopar, dar utni behtar.
Kya ye number pakka hai?
Nahi, ye sirf anuman hai. Asli manjoori bank ke documents check ke baad hi milti hai.