How to calculate home Loan eligibility for Salaried employees- Home loan Eligibility calculator

Learn how to calculate the eligibility for home loans for salaried employees basis their net salary or net take home salary. Also learn making your own home loan eligibility calculator at home through this video.
This video shall explain a very simple and practical method to calculate the financial eligibility of home loan which is followed mostly across many financial institutions.
Remember that final eligibility of home loan shall depend upon many other qualitative factors like quality of property, CIBIL, Nature of job, Vintage in existing job, Age, Qualification etc. Although this video shall give a fair idea about the eligibility of home loan
In this video, we have explained:
How to calculate home loan eligibility?
What is the formula for calculating home loan eligibility?
How do banks calculate the home loan eligibility of an applicant?
How to calculate the affordability of home you can buy?
What are the factors considered to calculate home loan eligibility?
What is loan to value ratio?
What are qualitative factors for home loan eligibility?
How to make home loan eligibility calculator at home?
What is FOIR? i.e. Fixed obligation income ratio? How much FOIR is required for the purpose of home loan eligibility calculation?
How to calculate the EMI for home loan? What is EMI Factor?
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जानें कि वेतनभोगी कर्मचारियों के लिए उनके शुद्ध वेतन या नेट टेक होम सैलरी के आधार पर होम लोन के लिए पात्रता की गणना कैसे करें। साथ ही इस वीडियो के माध्यम से घर पर अपना गृह ऋण पात्रता कैलकुलेटर बनाना सीखें।
यह वीडियो गृह ऋण की वित्तीय पात्रता की गणना करने के लिए एक बहुत ही सरल और व्यावहारिक विधि की व्याख्या करेगा जिसका पालन ज्यादातर कई वित्तीय संस्थानों में किया जाता है।
याद रखें कि गृह ऋण की अंतिम पात्रता कई अन्य गुणात्मक कारकों पर निर्भर करेगी जैसे संपत्ति की गुणवत्ता, CIBIL, नौकरी की प्रकृति, मौजूदा नौकरी में विंटेज, आयु, योग्यता आदि। हालांकि यह वीडियो गृह ऋण की पात्रता के बारे में एक उचित विचार देगा।
इस वीडियो में, हमने समझाया है:
गृह ऋण पात्रता की गणना कैसे करें?
गृह ऋण पात्रता की गणना करने का सूत्र क्या है?
बैंक आवेदक की गृह ऋण पात्रता की गणना कैसे करते हैं?
आप जो घर खरीद सकते हैं उसकी सामर्थ्य की गणना कैसे करें?
गृह ऋण पात्रता की गणना करने के लिए किन कारकों पर विचार किया जाता है?
लोन टू वैल्यू रेशियो क्या है?
गृह ऋण पात्रता के लिए गुणात्मक कारक क्या हैं?
घर पर होम लोन पात्रता कैलकुलेटर कैसे बनाएं?
एफओआईआर क्या है? यानी निश्चित दायित्व आय अनुपात? गृह ऋण पात्रता गणना के उद्देश्य से कितने FOIR की आवश्यकता है?
होम लोन के लिए ईएमआई की गणना कैसे करें? ईएमआई फैक्टर क्या है?
Home loan eligibility कैसे calculate की जा सकती है?
Home loan eligibility को calculate करने का क्या formula होता है?
बैंक Home loan eligibility कैसे calculate करते हैं?
कैसे पता करें की आप कितने मूल्य कर का घर afford कर सकते?
Home loan eligibility कैलकुलेट करने के लिए कौन-से factors को ध्यान में रखा जाता है?
Loan to value ratio क्या होता है?
Home loan eligibility को calculate करने के qualitative factors क्या होते हैं?
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[@bapu2542]

Thank You For This Great Information, sir credit manager Ke Kaam Ka pura Video Bnaiye na , taki ham bhi Credit assosiate mese credit management ban sake.. . .

[@AnkushJain]

Thank you

[@arnabganguly5634]

Sir suppose a borrower wants loan by keeping his own house as mortgage then what documents should he submit to bank?

[@AnkushJain]

All the property docs.. title deeds etc. these may be different in state to state

[@krishnenduchakraborty1150]

Sir for salary people bank take last 3 month salary slip... So be a credit analyst which salary i am going to consider ??? Last one???? Because each and every months in salary slip there is an variations... Mostly seen in PSU jober or an army individuals....

[@AnkushJain]

Have reverted separately

[@krishnenduchakraborty1150]

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[@amolshukla5397]

Very nice Thanks Sir

[@AnkushJain]

Your welcome

[@yjgratitude5]

Is there any minimum Income Requirement for salaried individual for home loan?

[@AnkushJain]

Check internal policy norms

[@TheSuresh2022]

Sir, limit account se cash withdrawal is normal or concerning point for business??

[@AnkushJain]

High cash withdrawals are always concerning

[@yjgratitude5]

Sir , i have 1 question. In this calculator if bank assumes that borrower's FOIR is 60% that means bank assumes that it's fixed obligations are 60% of borrower's income , rest 40% is disposible income then why we take 60% of income as Eligible salary for EMI Payment , why not 40% of income

[@AnkushJain]

No.. 60% is disposable income.. 40% is fixed obligation

[@yjgratitude5]

@@AnkushJain thanks sir for Resolving query.

[@AnkushJain]

Your welcome

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[@AnkushJain]

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Sir aise hi ek partneship ka calculate karke dijiye na plz....

[@AnkushJain]

Will check

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Sir, dscr and foir both are same in nature

[@AnkushJain]

Idea is same but they have certain difference

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[@AnkushJain]

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SIR FOIR ELIGIBLE HAI PAR PHIR BHI REJECT HO RHA HAI SABHI JAGAH SE KYAA KARE

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Kis reason se?

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