Loan Eligibility Calculator – Check Your Home & Personal Loan Eligibility Online
Eligible Loan Amount
Estimated EMI: ₹ 0
Loan Eligibility Calculator – Check Your Home & Personal Loan Eligibility Online
Calculate Maximum Loan Amount Based on Salary, EMI & Interest Rate
Loan lene se pehle sabse important sawal hota hai – mujhe kitna loan milega? Isi problem ko solve karne ke liye humne Digital Tours par yeh advanced Loan Eligibility Calculator banaya hai. Yeh tool aapki monthly income, existing EMI, loan tenure aur interest rate ke base par aapko batata hai ki aap maximum kitna loan amount le sakte hain.
Chahe aap Home Loan, Personal Loan, ya kisi bhi secured ya unsecured loan ke liye apply karna chahte ho, loan eligibility calculate karna pehla step hota hai. Bank aur NBFCs aapki repayment capacity dekhkar hi loan approve karte hain.
Loan Eligibility Kaise Calculate Hoti Hai?
Banks generally aapki monthly income ka 40% se 60% tak EMI allow karte hain. Agar aapka monthly income ₹50,000 hai aur existing EMI ₹5,000 hai, toh bank aapki net repayment capacity ke basis par maximum loan decide karega.
- ✔ Monthly Net Income
- ✔ Existing EMI
- ✔ Loan Tenure
- ✔ Interest Rate
- ✔ Age
In sab factors ko dhyan me rakhkar hamara calculator instantly aapko eligible loan amount dikha deta hai.
Loan Eligibility Check Karne Ke Fayde
Loan apply karne se pehle eligibility check karna bohot zaroori hai. Isse aapka CIBIL score safe rehta hai aur unnecessary rejection se bach sakte hain.
- ✔ Loan rejection risk kam hota hai
- ✔ Better financial planning hoti hai
- ✔ EMI manageable rehti hai
- ✔ Budget planning easy hoti hai
Home Loan Eligibility Calculator
Agar aap ghar kharidne ka plan bana rahe hain to home loan eligibility calculate karna first step hona chahiye. Bank aapki age aur tenure ke basis par loan approve karta hai.
Example: Agar aapki age 30 saal hai aur aap 20 saal ka loan lete hain, to aapko zyada loan mil sakta hai compared to 50 saal age applicant.
Personal Loan Eligibility Calculator
Personal loan me income aur EMI ratio sabse important hota hai. Agar aap already multiple EMIs pay kar rahe hain, to eligibility kam ho sakti hai.
EMI Planning Karna Bhi Zaroori Hai
Loan lene ke baad EMI calculation karna bhi important hota hai. Aap hamara EMI Calculator use karke exact EMI amount check kar sakte hain.
Future Investment Planning Bhi Kare
Loan lene ke saath-saath future investment planning bhi zaroori hai. Agar aap SIP ya lump sum investment karte hain to aapka financial future secure hota hai.
✔ Try our SIP Calculator for monthly investment growth calculation.
✔ Check our Lump Sum Investment Calculator to see one-time investment returns.
Loan Approval Improve Karne Ke Tips
- ✔ Existing EMI kam kare
- ✔ CIBIL score 750+ maintain kare
- ✔ Longer tenure choose kare
- ✔ Stable income proof rakhe
Why Use Digital Tours Loan Eligibility Calculator?
✔ 100% Free Tool ✔ Instant Result ✔ Mobile Friendly UI ✔ No Personal Data Storage ✔ SEO & Financial Planning Friendly
Frequently Asked Questions (FAQs)
1. Loan eligibility kaise calculate hoti hai?
Loan eligibility monthly income, existing EMI, age, tenure aur interest rate ke base par calculate hoti hai.
2. Kitna salary par kitna loan milta hai?
Generally bank monthly income ka 40%–60% EMI allow karta hai. Salary jitni zyada hogi, eligibility utni zyada hogi.
3. Kya CIBIL score loan eligibility affect karta hai?
Haan, 750+ CIBIL score hone par loan approval chances zyada hote hain.
4. Kya existing EMI se loan amount kam hota hai?
Haan, existing EMI repayment capacity ko reduce karti hai.
5. Loan eligibility aur EMI calculator me kya difference hai?
Eligibility calculator maximum loan amount batata hai, jabki EMI calculator monthly installment batata hai.
