First-Time Home Buyer कैलकुलेटर — Affordability & Tips
First-time buyers should follow the 30% rule (EMI ≤ 30% of income) and save 20% as down payment. On ₹80K/month वेतन with ₹8L savings: max house ₹36L. PMAY can add ₹2.6L subsidy for loans under ₹6L.
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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