When applying for a home loan, it is helpful to be able to calculate you eligibility. Home Loan eligibility is calculated after considering various factors such as gross monthly income, rental income, monthly obligations if any, age of applicant, retirement age, credit history, credit score and regulatory guidelines, among others.

Some examples of how these factors can influence your eligibility are:

(i) Your age and retirement age will determine the tenure of the loan, which in turn will determine the quantum of your EMI.

(ii) Gross Monthly income, rental or other income and monthly obligations will determine the surplus funds at your disposal which may be used to pay your EMIs.

(iii) Credit history and credit score will help the bank understand your repayment history and creditworthiness and affects your eligibility.

Citi’s home loan eligibility calculator can help you calculate your indicative housing loan eligibility based on the inputs and assumptions provided by you.

Please enter your income details

  • Gross Monthly Income*

  • Rental Income

  • Other Income


Please enter your monthly EMI details

Monthly Payments - EMI on other Loans

  • Any other Mortgage Loan

  • Personal Loan

  • Loan on Credit Card

  • Auto Loan

  • Outstanding Amount on Credit Card

  • Any other Loan

  • Choose the Interest Rate for your new Home Loan

  • How much Downpayment can you afford to pay upfront?

  • Select the Tenure for your new Home Loan

  • Maximum Home Loan available to you
  • Value of Home you can purchase
  • Your Monthly EMI

Results generated by the calculator are indicative in nature. The Calculator is not intended to provide its user with results that are either certified by the Bank or are an obligation, assurance, warranty, undertaking or commitment of the Bank, under any circumstances. The Calculator is only a tool that assists the user arrive at results of various illustrative scenarios generated from data input by the user. The Bank is not responsible for any reason, for any errors in any outcome resulting from the use of calculator. The use of the calculator is entirely at the risks of the user. Results from the use of the calculator are not intended to be a substitute for financial statements and certificates and/or professional advice.