Home Loan Basics: How Much Can You Actually Borrow?

Most nationalised and private banks in India will finance up to 80% of a property's value, leaving buyers to arrange the remaining 20% as a down payment — though this can vary based on loan amount and applicant profile.

Banks typically cap your EMI at around 40-50% of your net monthly income, factoring in existing loans. A quick way to estimate your eligibility: multiply your net monthly salary by roughly 60 to get an approximate loan amount, though this varies by lender and interest rate.

Always get a pre-approval before you start shortlisting properties — it tells you your real budget and makes you a stronger negotiator once you find the right unit. Srachi's sales team works with a panel of partner banks and can help arrange pre-approval within 3-5 working days.