Salary to area
Start from what you earn, not from a brochure. See the home budget your salary can carry comfortably, and what that buys across Pune.
What your budget buys (carpet area)
Indicative rates for new flats. Prices vary within each area by project, floor and builder.
Why we use a comfortable EMI, not the bank's limit
Banks often approve an EMI of up to half your take-home pay. That leaves the other half for groceries, school fees, parents' health and everything else, for 20 years.
We start from about a third of take-home pay instead. You can move the slider, but look at what's left each month before you do.
How we calculate
- Loan: what your comfortable EMI repays at the rate and tenure you set.
- Budget: loan plus savings, after keeping aside stamp duty, GST and other costs the loan won't cover.
- Area: budget divided by the indicative carpet-area rate for each locality.
Locality rates are indicative averages for new flats and vary a lot within an area. Use them to shortlist, then check real prices on site.
Questions people ask
How much home loan can I get on a ₹1 lakh salary?
It depends on the rate, tenure and your other EMIs. Banks may allow an EMI of up to half your take-home pay. A more comfortable EMI is about a third. Enter your numbers above to see both.
Can my spouse's salary be added?
Yes. A joint home loan combines both incomes, which raises the loan you can get. Both of you are then responsible for repaying it.
Why does the tool keep part of my savings aside?
Stamp duty, registration, GST and deposits must usually be paid from savings. If you spend all your savings on the down payment, you can't complete the purchase.
Tell us what you're looking for. We'll do the shortlisting.
- We call you within one working day. Budget, family needs, office location.
- You get a shortlist. Projects and plots that fit your budget and commute, with the true all-in cost.
- We visit sites with you. And help with the home loan when you're ready.
Free for buyers. When you buy a new flat through us, the developer pays our fee. You pay the same price as buying directly.