Here’s how much home loan can I get on 48000 salary,
With a monthly salary of Rs. 48000 and no current financial commitments (such as active EMIs or unpaid credit card balances), you could qualify for a home loan of around Rs. 23.66 lakhs.
The interest rate may vary from 9.25% to 15% or more, with a loan duration of as much as 180 months.
What Home Loan Can I get on Rs. 48000 Salary?
A quick overview of potential home loan eligibility:
Parameter | Loan Amount |
Loan Amount | Rs. 23.66 lakhs |
Rate of Interest | 9.25% p.a. |
Loan Tenure | 5 years |
Monthly EMI | Rs. 49402 |
The interest rate may fluctuate due to various factors such as credit score, property value, and credit evaluation, among others. Your exact home loan amount can change based on:
Existing EMIs: higher EMIs reduce eligibility.
Credit score: higher score may increase loan amount.
Tenure: longer tenure usually increases eligibility (but increases total interest).
Age & job stability: longer working years left may improve chances.
Tips to improve eligibility:
Add a co‑applicant (e.g., spouse) to boost combined income.
Reduce existing EMIs before applying.
Enhance credit score by timely bill payments and low credit utilization.
I hope this helps!
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How Much Home Loan Can I Get on 48000 Salary?
Ira56
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2026-01-30T15:05:17+00:00 2026-01-30T15:05:20+00:00Comment
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