What Salary Is Required to Afford a Home Loan in India?

The salary required depends on the loan amount, but typically your EMI should not exceed 40% to 50% of your monthly income.

For example:

• ₹50 lakh loan → ₹80,000–₹1,00,000 monthly income
• ₹75 lakh loan → ₹1.2 lakh+ monthly income

Eligibility also depends on credit score, existing loans, and job stability.