HOME LOAN - Kolkata

19/05/2026

15/05/2026

Type here your income and Loan required,. We will help you to negotiate bank with best ROI

18/04/2026

Your Salary Decides Your Home Loan Power 🏠

If banks offer you a 20-year home loan at 8.5%, this is roughly what you can afford:

•₹10K salary → ₹6L loan → EMI ~ ₹5.2K
•₹20K salary → ₹12L loan → EMI ~ ₹10.4K
•₹30K salary → ₹18L loan → EMI ~ ₹15.6K
•₹40K salary → ₹24L loan → EMI ~ ₹20.8K
•₹50K salary → ₹30L loan → EMI ~ ₹26K
•₹60K salary → ₹36L loan → EMI ~ ₹31.2K
•₹70K salary → ₹42L loan → EMI ~ ₹36.4K
•₹80K salary → ₹48L loan → EMI ~ ₹41.6K
•₹90K salary → ₹54L loan → EMI ~ ₹46.8K
•₹1L salary → ₹60L loan → EMI ~ ₹52K

💡 Simple rule:
Roughly, you can get a home loan ≈ 60× your monthly salary
And EMI will be ≈ 52% of your salary (at 8.5% for 20 years)

Before taking a loan, ask yourself:
Can you comfortably live on the remaining 48%?

23/03/2026

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23/02/2026

FORMULA TO BUY CHEAP PROPERTY

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Multiply monthly rental by 12

If the rent is ₹1,00,000 monthly, then:
₹1,00,000 × 12 = ₹12,00,000.00

If the property price is ₹3 cr, then divide annual rent by property price and multiply by 100, i.e:

Annual rental / property price × 100

₹12,00,000 / ₹3,00,00,000 × 100 = 4%
•If this figure is between 2.5% to 3.5% then property is nice
•If it more than 3.5% then property prices are cheap
•If it is below 2.5% then you are buying it on higher prices
•This formula is to buy a home
•For commercial property this figure shouldn’t go below 5.5%