What is FOIR?▾
Fixed obligation to income ratio — the share of your monthly income that can go to all EMIs combined. Most lenders cap it at 40–60%.
How can I increase my loan eligibility?▾
Add a co-applicant, choose a longer tenure, close small loans and credit-card dues, and keep a credit score above 750.
How much of the property price will the bank fund?▾
RBI caps the loan-to-value ratio at 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh.
