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How Much Home Loan Can I Get on 50000 Salary?

The best decisions are informed decisions. And there is no exception when it comes to deciding on your home loan as well. For individuals with a ₹50,000 salary, selecting the right home loan entails understanding various aspects and conducting extensive research. These may include details such as applicable interest rates, required documents, eligibility criteria, expected EMIs, associated fees, and more. Hence, to simplify your financial journey, we provide a detailed overview of a home loan for a ₹50,000 salary. Let’s scroll down for more information.

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Eligibility Criteria for a Home Loan on 50000 Salary

The eligibility criteria regarding a home loan for ₹ 50,000 salary may vary slightly depending on the lender and your profile. However, the following are the common eligibility criteria you can expect when applying for a ₹ 50,000 salary home loan:

  • The applicant must be between 21 and 60 years old.
  • The applicant must be either a salaried or self-employed individual.
  • The applicant must have a regular and stable income source covering the loan EMIs.
  • The applicant must have a better credit score, typically 700 or above, considered ideal.
  • The applicant must be an Indian citizen, including NRIs.

Tips to Increase Your Chances of Getting a Home Loan on 50000 Salary

Here are certain tips you can follow to enhance your chances of getting a home loan for ₹ 50,000 salary:

  • Maintain a high credit score
  • Settle existing debts or loans
  • Disclose all income sources
  • Opt for a higher down payment
  • Choose a longer tenure
  • Affix co-applicants

How Much of a Housing Loan Can You Get With Your 50000 Current Salary?

If you earn a monthly salary of INR 50,000, you may be eligible for a home loan ranging between INR 37 Lakhs and INR 40 Lakhs. The exact loan amount depends on your overall eligibility, which can vary based on several factors. To get a clear understanding of your eligibility, you can use Pluto Money’s home loan eligibility calculator. This tool helps you explore suitable bank products and provides a more precise estimate of your borrowing capacity. For a seamless experience, the step-by-step process to check your home loan eligibility is detailed below.

To check the maximum loan amount you can avail of in a home loan with a salary of ₹ 50,000, follow the simple steps given below:

  • Visit the official website of Pluto Money.
  • Select Loans -> Home Loan. Then click on “Home Loan Eligibility Calculator” under Home Loan Calculators section.
  • You will be directed to a new page titled “Home Loan Eligibility Calculator,” where you can check your maximum eligible home loan amount.
  • Input your name, mobile number, preferred city, occupation type, monthly salary, existing EMIs, required loan amount, desired tenure, and date of birth.
  • Once you fill in the required information, click the “Check Now” button.
  • The result will be displayed instantly, including your eligible home loan amount, interest rate, loan tenure, and EMIs.
  • As you scroll down, you can also view the pertinent banks/NBFCs available for home loans.