Home Affordability on ₹50,000 वेतन — How Much House?
On ₹50K/month net वेतन (₹6L/year) with ₹5L savings at 8.5% for 20 वर्ष: max EMI ₹15,000 (30% DTI), max loan ₹17.3L, max house ₹22.3L. You can afford a 1BHK in tier-2 cities or outskirts of metros.
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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