Home Affordability on ₹1 लाख वेतन — Max House Price
On ₹1L/month वेतन (₹12L/year) with ₹10L savings at 8.5% for 20 वर्ष: max EMI ₹30,000, max loan ₹34.6L, max house ₹44.6L. Enough for a 2BHK in most Indian cities.
Max House Price
₹61,85,388
Max Loan Amount
₹51,85,388
Max Monthly EMI
₹45,000
Down Payment (Savings)
₹10,00,000
Based on the 30% DTI (Debt-to-Income) rule — your EMI should not exceed 30% of monthly income. Lenders typically require 10–20% down payment. Savings assumed to be used fully as down payment.
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