Buyer tools
How much flat can this income stretch to?
Work backwards from sleep-at-night EMI, not from the largest loan a bank will clear.
Comfortable ticket from this income
- Max EMI you set
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- Loan that EMI supports
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- Implied flat ticket
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- Down payment needed
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- EMI if rate rises +2%
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Banks apply their own FOIR, credit and valuation rules. This is a planning ceiling for shortlisting, not an eligibility letter. Not financial or legal advice. Related: What to consider before buying a flat in Pune.