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house
Home affordability
Figure out the biggest home you can comfortably buy. Uses the FOIR rule (banks cap your EMIs at a percentage of income) and reverse-solves the maximum loan.
EMI ≤ FOIR × income − existingInputsEdit ↑↓
₹1,50,000
₹0
₹15,00,000
8.5%
015
20yrs
130
50%
2070
› FOIR-capped · reverse-solved loan
max_home_priceHOUSE // FOIR rule
biggest home you can buy
₹1,01,42,313
loan ₹86,42,313 + down ₹15,00,000
Max safe EMI
₹75,000
Recommended
₹60,000
We cap total EMIs at 50% of your income (FOIR rule), subtract any existing EMIs, then reverse-solve the loan amount at 8.5% for 20 years. The recommended EMI keeps a 20% cushion for emergencies.
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