Your [home loan](/home-loan) eligibility depends on your monthly income, existing EMIs, age, and CIBIL score. As a general rule, banks allow an EMI of up to 50–60% of your net monthly income. For example, if you earn ₹60,000/month with no existing EMIs, you could be eligible for an EMI of ₹30,000–₹36,000 — translating to a loan of roughly ₹30–35 lakh over 20 years at current rates.
Self-employed applicants are assessed on ITR income, while salaried individuals benefit from simpler documentation. At [Jupiter Finance](/), we evaluate your full profile across 11+ partner banks to find the lender offering you the highest eligible amount at the best rate. Call us for a free eligibility check.