Banks keep total EMIs within 50–60% of net income (FOIR). RBI caps LTV at 90% up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above.
FAQ
How much home loan on ₹1 lakh salary?
About ₹49.6 lakh at 7.5% for 20 years with ₹10,000 other EMIs.
Sources (checked 6 Nov 2026): RBI LTV norms; bank FOIR practice.