Land Loan Eligibility Calculator
How much plot loan can you get? Based on income, existing EMIs, FOIR, age and the plot’s LTV limit.
Inputs
Income
₹
₹ 1 Lakh
₹
₹
₹ 10 Thousand
%
You
years
Loan
%
years
₹
₹ 50 Lakh
%
You can borrow up to
₹35,00,000
EMI ₹36,548 for 15 years · limited by LTV
Max EMI you can afford
₹40,000
50% of ₹1 L − existing EMIs
Loan by income
₹38.31 L
Loan by LTV
₹35 L
Summary
- Total monthly income
- ₹1,00,000
- Max total EMIs (FOIR)
- ₹50,000
- Less existing EMIs
- − ₹10,000
- Available for new EMI
- ₹40,000
- Down payment needed
- ₹15,00,000
- Income needed for full LTV loan
- ₹93,096 / month
- Eligible loan
- ₹35,00,000
How this calculator works
Banks let your total EMIs use up to 40–60% of net monthly income (FOIR). The loan is the smaller of what that EMI can service and the LTV limit on the plot value. Tenure is capped so the loan ends by retirement (≈60 salaried, 65–70 self-employed).