Home Loan Eligibility Checker

Shray Projects’ Home Loan Eligibility Calculator helps homebuyers and property investors quickly estimate the home loan amount they may be eligible for based on their income, existing financial obligations, loan tenure, and interest rate. Whether you’re planning to buy a luxury apartment, builder floor, villa, commercial property, or plot in Gurugram or Delhi, understanding your borrowing capacity is the first step towards making a confident property investment. Our easy-to-use calculator provides instant eligibility estimates, helping you plan your budget, shortlist suitable properties, and make informed home-buying decisions with greater financial confidence.

Home Loan Eligibility Checker – Shray Projects

Home Loan Eligibility Checker

Estimate your home loan eligibility based on income, obligations, credit score, and property value.

Employment type
Take-home after taxes and PF. PSU banks (SBI, PNB) typically use net income.
Your details
CIBIL / Credit score

Eligibility result
FOIR — obligation-to-income ratio
Ideal: below 50% Bank max: 60–65%
Loan required
What you want to borrow
Max loan eligible
Based on income & EMIs
LTV-based max loan
Based on property value
EMI capacity / month
50% FOIR of income
Suggested down payment
Indicative rate
Based on credit score
Fill in your details above to see your eligibility estimate.

⚠ This is an indicative estimate only. Actual loan eligibility depends on your CIBIL score, employer category, bank-specific policies, and documentation. Always verify with your bank or a financial advisor before proceeding.

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