How much down payment do I need?

Most home loans require 10–20% down payment. A higher down payment reduces your loan amount and EMI.

Should I include existing EMIs?

Yes. Car loans, personal loans, and other EMIs reduce the amount you can borrow for a home.

Home Affordability Calculator

Discover your maximum property budget based on income and existing obligations.

100% FreeInstant resultsNo signup requiredPune & Maharashtra

Enter details

Monthly income (₹)

₹15,000₹1.00 Lac₹5.00 Lac

Existing monthly EMIs (₹)

Price On RequestPrice On Request₹2.00 Lac

Down payment (%)

102050

Interest rate (% per year)

68.515

Loan tenure (years)

years

52030

Your results

Maximum property price

₹72,01,927

Suggested EMI

₹50,000

Max loan

₹57,61,542

Down payment

₹14,40,385

FOIR

50.0%

Within comfortable range.

How it works

Add income details

Enter monthly income and any existing loan EMIs.

Set loan parameters

Choose down payment percentage, interest rate, and tenure.

See max price

Get suggested EMI, max loan, and affordable property price.

How much home can you afford in Pune?

Before browsing listings, estimate a realistic budget. Our calculator uses your monthly income, existing EMIs, and planned down payment to suggest a maximum property price and comfortable EMI range for Pune and Maharashtra buyers.

Explore properties on MajhGhar: Buy in Pune · Rent in Pune · All tools

Frequently asked questions

FOIR (Fixed Obligation to Income Ratio) measures how much of your income goes toward loan EMIs. Banks typically prefer FOIR below 50%.

Results are for informational purposes only and do not constitute financial, legal, or Vastu advice. Verify figures with your bank, sub-registrar, or qualified professional before making decisions.

Ready to explore properties?

Browse verified buy and rent listings across Pune on MajhGhar.

Browse properties to buy Browse rentals