Can I afford a house?
Three EMI scenarios on your numbers, instead of one number pretending to be the truth.
What house price can you reasonably consider?
House price you could consider
- Monthly EMI
- ₹48,365
- Loan
- ₹57.82L
- Down payment
- ₹30L
- Total interest
- ₹58.25L
- Left to save / month
- ₹81,352
- Monthly EMI
- ₹64,487
- Loan
- ₹77.1L
- Down payment
- ₹30L
- Total interest
- ₹77.67L
- Left to save / month
- ₹65,230
- Monthly EMI
- ₹75,280
- Loan
- ₹90L
- Down payment
- ₹30L
- Total interest
- ₹90.67L
- Left to save / month
- ₹54,438
Limited by RBI loan-to-value rules — a bigger down payment would raise this.
Price = loan + down payment. “Left to save” assumes you stop paying rent and pay the EMI instead, before maintenance and property tax.
Your KITNA Home Buying Report ₹299
Salary analysis, a monthly budget, savings projection, city and housing scenarios, written for your numbers. Everything above stays free.
See what's in the reportQuestions people ask
How much of my salary should go to an EMI?
KITNA shows three levels: 30% of take-home (comfortable), 40% (stretch) and 50% (aggressive), minus any EMIs you already pay. Lenders set their own limits; this is a planning view, not a loan offer.
How much down payment do I need?
RBI loan-to-value rules cap the loan at 90% of the property value for loans up to ₹30 lakh, 80% up to ₹75 lakh and 75% above that. Stamp duty and registration come on top.