Nothing is more devastating than paying a non-refundable token deposit to a builder to book your dream house, only to have your bank rigidly reject your loan file due to insufficient income capacity. Our Eligibility Calculator preempts this nightmare by acting as a strict mirror to the banking sector's underwriting algorithms. Banks operate on a very strict rule called the Fixed Obligation to Income Ratio (FOIR). Under Indian banking norms, your total combined monthly debts (including your new proposed home loan EMI, plus existing car loans, personal loans, or credit card equated dues) cannot exceed 50% to 60% of your net take-home salary. If you carry heavy existing auto loans, your home loan eligibility instantly plummets, radically reducing the budget bracket you can shop within.