< class="breadcumb-title text-anim" data-cue="slideInUp" data-delay="300">Loan Eligibility Calculator
Loan Eligibility Calculator — Home, Personal, Car, Education, Business | India + Global | ASLI FORM
All Loan Types · 7 Countries · Free Forever

Loan Eligibility Calculator

Check your maximum eligible loan amount for Home, Personal, Car, Education, Business, Gold, LAP & Credit Card loans. Supports India (FOIR/CIBIL), USA (DTI/FICO), UK, UAE, Australia, Canada & Singapore with country-specific lending ratios.

8Loan Types
7Countries
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4.9★Rating

Loan Eligibility Calculator

Select Your Country

Income Allocation

Eligibility Meter

Eligibility Rules by Country

CountryRatio UsedTypical CapMin IncomeAge LimitCredit Score
🇮🇳 IndiaFOIR50–65%₹15K–25K/mo21–60/65CIBIL 750+
🇺🇸 USADTI (back-end)≤ 43% (QM)Varies18+ (no max)FICO 620+
🇬🇧 UKIncome Multiple4–4.5× incomeVaries18–70/85Good credit
🇦🇪 UAEDBR≤ 50%AED 5K–15K21–65AECB 600+
🇦🇺 AustraliaServiceabilityHEM + bufferVaries18+Good credit
🇨🇦 CanadaGDS / TDS≤ 32% / 40%Varies18+650+
🇸🇬 SingaporeTDSR / MSR≤ 55% / 30%Varies21+CBS good

Tips to Improve Your Loan Eligibility

Add a Co-ApplicantSpouse or parent's income increases total income and reduces FOIR/DTI, boosting eligibility by 30–50%.
Reduce Existing EMIsClose small loans or prepay to lower obligations. Every ₹5,000 EMI reduction adds ~₹5–7 lakh eligibility.
Improve Credit ScorePay on time, keep utilization < 30%, avoid multiple inquiries. 750+ CIBIL / 740+ FICO gets best rates.
Choose Longer TenureLonger tenure lowers EMI for the same loan, increasing eligible amount (though total interest rises).
Opt for Secured LoanSecured loans (home, gold, LAP) have lower rates than unsecured (personal), increasing eligibility for the same EMI.
Show All Income SourcesInclude rental income, bonuses, freelance earnings, and spouse's income with documentation.
Maintain Employment Stability2+ years total experience and 1+ year at current employer signals stability to lenders.
Avoid Multiple ApplicationsEach application triggers a hard inquiry, temporarily lowering your score. Apply strategically.

Frequently Asked Questions

Ready to Apply? Get Expert Help

Our loan experts can help you choose the right lender, optimize your application, and get the best rate for your profile.

Call: +91 7011993433 WhatsApp Us
'; w.document.write(html);w.document.close();w.print(); } function exportCSV(){ if(!lastResult)return; var csv='ASLI FORM — Loan Eligibility\nLoan Type,'+LOANS[state.loan].name+'\nCountry,'+COUNTRIES[state.country].name+'\n\nParameter,Value\n'; csv+='Net Monthly Income,'+lastResult.net+'\nExisting EMIs,'+lastResult.existEmi+'\nMax Eligible EMI,'+lastResult.maxEmi.toFixed(2)+'\nMax Eligible Loan,'+lastResult.maxLoan.toFixed(2)+'\nInterest Rate,'+lastResult.rate+'\nTenure (yrs),'+lastResult.tenure+'\nEligible,'+(lastResult.eligible?'YES':'NO')+'\n'; var blob=new Blob([csv],{type:'text/csv'});var url=URL.createObjectURL(blob);var a=document.createElement('a');a.href=url;a.download='loan-eligibility-'+state.loan+'.csv';a.click();URL.revokeObjectURL(url); }/* ---- FAQ ---- */ var FAQS=[ ['What is FOIR and how does it affect eligibility?','FOIR (Fixed Obligation to Income Ratio) is the % of net income going to existing EMIs. Indian lenders allow 50–65%. Max new EMI = Net Income × FOIR% − Existing EMIs. Lower existing EMIs = higher eligibility.'], ['What is DTI ratio (USA)?','DTI (Debt-to-Income) = all monthly debts ÷ gross monthly income. Back-end DTI should be ≤ 43% for a Qualified Mortgage. Front-end (housing only) ≤ 28%. Max payment = Gross × DTI cap − existing debts.'], ['How does credit score affect eligibility?','Higher score (CIBIL 750+ / FICO 740+) gets lower rates → higher eligible loan for the same EMI. Lower scores attract higher rates or rejection. The calculator adjusts the suggested rate based on your score.'], ['What is the minimum income for a home loan in India?','Most banks require ₹15,000–₹25,000 net monthly income (salaried). Self-employed need ₹2–3L annual ITR income. NBFCs may accept lower at higher rates.'], ['How is self-employed eligibility calculated?','Based on average net profit from last 2–3 years\' ITR, with FOIR 50–60%. Lenders may discount 10–20% for variability. Business vintage 3+ years and consistent growth help.'], ['What is the maximum age for a loan?','India: salaried up to 60 at maturity, self-employed up to 65–70. USA: no max (Equal Credit Opportunity Act). UK: up to 70–85 at mortgage end. UAE: up to 65 for expats.'], ['How can I improve my eligibility?','Add a co-applicant, reduce existing EMIs, improve credit score, choose longer tenure, opt for secured loans, show all income sources, and maintain employment stability.'], ['What is the 28/36 rule (US mortgage)?','Housing costs ≤ 28% of gross income (front-end); total debts ≤ 36% (back-end). Some programs allow up to 43–50% back-end.'], ['Is this calculator accurate?','It uses standard formulas (FOIR/DTI × income − obligations = max EMI; PV of annuity for max loan) with country-specific caps. Matches initial bank screening. Final eligibility depends on full underwriting.'] ]; function buildFAQ(){ var list=$('#afFaqList');list.innerHTML=''; FAQS.forEach(function(f,i){ list.insertAdjacentHTML('beforeend','
'+f[1]+'
'); }); $$('.af-faq-q').forEach(function(b){b.addEventListener('click',function(){var it=b.closest('.af-faq');var op=it.classList.contains('open');$$('.af-faq').forEach(function(x){x.classList.remove('open');x.querySelector('.af-faq-q').setAttribute('aria-expanded','false');});if(!op){it.classList.add('open');b.setAttribute('aria-expanded','true');}});}); }/* ---- WIRING ---- */ function wire(){ $$('.af-cbtn').forEach(function(b){b.addEventListener('click',function(){$$('.af-cbtn').forEach(function(x){x.classList.remove('active');});b.classList.add('active');state.country=b.dataset.c;renderInputs();calculate();});}); $$('.af-ltab').forEach(function(b){b.addEventListener('click',function(){$$('.af-ltab').forEach(function(x){x.classList.remove('active');});b.classList.add('active');state.loan=b.dataset.lt;renderInputs();calculate();});}); $('#afCalcBtn').addEventListener('click',calculate); $('#afDlImg').addEventListener('click',exportPNG); $('#afDlPdf').addEventListener('click',exportPDF); $('#afDlCsv').addEventListener('click',exportCSV); }/* ---- INIT ---- */ buildFAQ();wire();renderInputs();calculate(); console.log('ASLI FORM Loan Eligibility Calculator ✓ — '+Object.keys(LOANS).length+' loan types, '+Object.keys(COUNTRIES).length+' countries'); })();