Loan Eligibility for ₹1,25,000/month Salary — How Much Loan Can I Get?
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Quick Answer
With a gross monthly salary of ₹1,25,000, you can typically get a home loan of up to ₹72,01,927 (at 8.5% for 20 years, using 50% FOIR). Your maximum EMI capacity is ₹62,500/month. Banks may adjust this based on existing EMIs, credit score, and age.
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₹40,33,079
Max EMI Affordable
₹35,000/mo
Based on 50% FOIR (Fixed Obligation to Income Ratio). Banks typically allow up to 50% of salary towards all EMIs combined.
Frequently Asked Questions
How much home loan can I get on ₹1,25,000 monthly salary?
Banks typically allow EMI up to 50% of gross income (FOIR rule). At ₹1,25,000/month, your max EMI is ₹62,500, which supports a loan of ₹72,01,927 at 8.5% for 20 years. Having existing EMIs will reduce this.
What factors affect loan eligibility beyond salary?
Besides salary (₹1,25,000/month), banks check: CIBIL score (750+ preferred), existing EMIs (reduce eligible amount), employment stability (govt/PSU > MNC > private), age (younger = longer tenure = bigger loan), and co-applicant income. A co-applicant can increase eligibility significantly.