Ghar kharidna India ka sabse bada sapna hai — lekin pehle yeh samajhna zaroori hai ki aapki salary par aapko kitna home loan milega. 2026 mein SBI ka interest rate 7.25% p.a. se shuru hota hai, aur HDFC Bank ka 7.75% p.a. se. Aiye detail mein dekhte hain ki ₹5 lakh aur ₹10 lakh salary par kitna loan milega.
₹5 Lakh Annual Salary (₹41,667/month) — Kitna Loan Milega?
Banks ek rule follow karte hain: aapki monthly income ka 40-50% EMI ke liye use ho sakta hai. Agar aapki monthly income ₹41,667 hai aur koi aur loan nahi hai, to:
Maximum EMI capacity: ₹16,667 – ₹20,833/month
SBI 7.25% par 20 saal ke liye: Approx ₹15-18 Lakh loan
HDFC 7.75% par 20 saal ke liye: Approx ₹14-17 Lakh loan
Important: Agar aapke upar already car loan ya personal loan hai, to eligible amount kam ho jaata hai. Credit score 750+ hona chahiye best rates ke liye.
₹10 Lakh Annual Salary (₹83,333/month) — Kitna Loan Milega?
₹10 lakh annual salary (₹83,333/month) par eligibility significantly better hoti hai:
Maximum EMI capacity: ₹33,333 – ₹41,667/month
SBI 7.25% par 20 saal ke liye: Approx ₹35-45 Lakh loan
HDFC 7.75% par 20 saal ke liye: Approx ₹32-42 Lakh loan
June 2026 — Top Banks ke Current Rates
SBI: 7.25% p.a. onwards | Processing fee: 0.35% of loan amount
HDFC Bank: 7.75% p.a. onwards | EMI ₹716 per lakh
ICICI Bank: 8.10% p.a. onwards
Axis Bank: 8.15% p.a. onwards
Bank of Baroda: 7.25% p.a. — among the lowest
Loan Eligibility Badhane ke 5 Smart Tips
1. Credit Score 750+ maintain karein — yeh sabse bada factor hai. Iske liye credit card bills time par bharein.
2. Existing loans close karein — car loan ya personal loan hone se eligible amount 20-30% kam hoti hai.
3. Co-applicant add karein — spouse ya parents ko co-borrower banane se combined income pe loan milta hai.
4. Longer tenure choose karein — 30 saal ka tenure chunne se EMI kam aur eligibility zyada hoti hai.
5. Variable income (bonuses) declare karein — kuch banks bonus income bhi consider karte hain.
Ghar lena ek badi decision hai — isliye pehle multiple banks se compare karein aur online EMI calculator zaroor use karein apni exact eligibility jaanne ke liye.