The Bar Has Been Raised.

Propex Solutions: Where premium service meets digital precision.

We don’t just find homes; we raise the bar.

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There’s nothing more fulfilling than helping our clients find their dream home.

Hear what Mr. Prasad Deshpande & Mr. Falgun Bhatt had to say about their experience with Propex Solutions and how our expert guidance made all the difference in his home-buying journey.

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Ready to find your dream property?

Call us now for expert help, every step of the way, in real time!

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Enter Your Income: Input your net monthly take-home salary.
Add Existing EMIs: If you have ongoing car, personal, or credit card loans, add the total monthly EMI amount (enter 0 if you are debt-free).
Select Your FOIR: Choose how aggressive you want the estimate to be (50%, 60%, or 70%).
Hit Calculate: Instantly see your maximum eligible loan amount and your projected new monthly EMI.

Taking the first step toward your dream home? Before you start property hunting, it’s crucial to know exactly how much banks are willing to lend you. Our smart eligibility calculator helps you estimate your maximum loan amount instantly, giving you a clear budget to work with.

Home Loan Eligibility Calculator

How to use this tool:

Frequently Asked Questions (FAQs)

1. What is FOIR and why does it matter for my home loan?

FOIR stands for Fixed Obligation to Income Ratio. It is the metric banks use to determine how much of your monthly income is already committed to debt repayments (like car loans, personal loans, or credit cards). For example, if your FOIR limit is 60%, the bank ensures that your new home loan EMI plus any existing EMIs do not exceed 60% of your take-home salary.

2. How can I increase my home loan eligibility?

If the calculator shows a lower amount than you need, you can boost your eligibility by:

Adding a Co-applicant: Including an earning spouse or family member allows the bank to consider your combined income, significantly increasing your loan amount.
Clearing Existing Debt: Paying off short-term loans or credit card debt reduces your current obligations, freeing up more of your FOIR for your new home loan.
Increasing the Loan Tenure: Opting for a longer repayment period (e.g., 25 or 30 years) reduces your monthly EMI, which allows you to qualify for a larger total loan amount.

3. Does my CIBIL/Credit score affect this eligible amount?

Yes! While this calculator estimates your capacity based on income, your actual approval depends heavily on your credit score. A CIBIL score of 750 or higher makes you a low-risk borrower, meaning banks are more likely to approve your maximum eligible amount and offer you the lowest possible interest rates.

4. Are property taxes and insurance included in this EMI estimate?

No. The EMI generated by this calculator only covers the principal loan amount and the bank's interest. When budgeting for your new home, remember to account for additional costs like stamp duty, registration fees, property taxes, and home insurance.

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Here's what our customers say...

"I had been searching for the perfect home for months, but it wasn't until I connected with Propex Solutions that I truly felt confident in my decision. From the very first call, their team was incredibly professional, patient, and attentive to my needs. Consultant Kunal was especially amazing, guiding me through every step of the process, providing real-time assistance, and making sure I understood all the details. Thanks to Propex Solutions, I found a home that’s not just an investment, but a place I can truly call my own. I highly recommend their services to anyone looking to buy property. They made the entire experience smooth, stress-free, and most importantly, enjoyable!"

- Mr. Arjun S. Deshpande, Mumbai

"Propex Solutions truly raised the bar in real estate services! From the first consultation to handing over the keys to my new home, the entire process was seamless and stress-free. A special thank you to Consultant Rutuja for being so knowledgeable, approachable, and always available to assist. I couldn’t be happier with my experience and highly recommend Propex to anyone looking for top-notch real estate solutions!"

- Mrs. Komal A. Shah, Pune