Short answer: On a ₹50,000 monthly take-home salary with no other EMIs, you can typically borrow about ₹30–37 lakh over 20 years or ₹35–42 lakh over 30 years, at an illustrative 7.75% interest rate. The exact figure depends on how much of your income the lender allows for EMIs (usually 50–65%), your age, existing loans and credit score.
By Vijay Arjun, DME, LIC Housing Finance (code HYD0087), Elite Financial Services. Last reviewed: 29 September 2026.
Eligibility by salary: quick table
Loan amounts below assume no existing EMIs, an illustrative interest rate of 7.75% p.a., and that 50% to 60% of net monthly salary can go towards the EMI.
| Net monthly salary | Loan over 20 years | Loan over 30 years |
|---|---|---|
| ₹30,000 | ₹18 – 22 lakh | ₹21 – 25 lakh |
| ₹40,000 | ₹24 – 29 lakh | ₹28 – 33 lakh |
| ₹50,000 | ₹30 – 37 lakh | ₹35 – 42 lakh |
| ₹75,000 | ₹46 – 55 lakh | ₹52 – 63 lakh |
| ₹1,00,000 | ₹61 – 73 lakh | ₹70 – 84 lakh |
| ₹1,50,000 | ₹91 lakh – ₹1.10 crore | ₹1.05 – 1.26 crore |
| ₹2,00,000 | ₹1.22 – 1.46 crore | ₹1.40 – 1.68 crore |
At 7.75%, the EMI per ₹1 lakh is about ₹821 over 20 years and ₹716 over 30 years. Your actual rate depends on your credit score and loan amount.
How lenders work out your loan amount
Lenders do it in three steps:
- How much EMI you can afford. They allow a share of your net monthly income for all EMIs put together. This share is called FOIR (fixed obligation to income ratio) and is typically 50–65%, higher for larger incomes.
- How much loan that EMI supports. The affordable EMI is converted into a loan amount using the interest rate and tenure. A longer tenure means a bigger loan for the same EMI.
- The property cap. The loan cannot exceed the loan-to-value limit: up to 90% of the property value for loans up to ₹30 lakh, 80% for ₹30–75 lakh, and 75% above ₹75 lakh.
Your final eligibility is the lower of the income-based amount and the property-based amount.
How existing EMIs reduce your eligibility
Car loans, personal loans and credit card EMIs all come out of the same FOIR budget. Lenders differ in how they subtract them, and the method can make a real difference.
Take a borrower earning ₹1,00,000 a month with an existing ₹20,000 EMI, and a 65% eligibility factor:
- Deducting existing EMIs after applying the factor: 65% of ₹1,00,000 = ₹65,000, minus ₹20,000 = ₹45,000 available for the home loan EMI (about ₹55 lakh over 20 years at 7.75%).
- Deducting existing EMIs first, then applying the factor (the approach LIC Housing Finance uses, as we explain on our homepage): ₹1,00,000 − ₹20,000 = ₹80,000; 65% of that = ₹52,000 available (about ₹63 lakh over 20 years).
Closing a small personal loan before you apply can also add several lakh to your eligibility.
What a salary buys in Hyderabad
- ₹50,000 take-home: a ₹35–40 lakh loan, plus your down payment, typically suits a 2 BHK in areas such as Miyapur, Bachupally or Ameenpur.
- ₹1,00,000 take-home: a ₹70–80 lakh loan over 30 years opens up larger 2 BHK and 3 BHK homes in Tellapur, Kollur or Kondapur.
- ₹2,00,000 take-home: loans above ₹1.4 crore bring premium projects in Kokapet and the Financial District within reach; remember the 25% minimum down payment above ₹75 lakh.
Prices vary widely within each area, so check the project before relying on these ranges.
Four ways to increase your eligibility
- Add an earning co-applicant. A spouse or parent’s income is added to yours. ₹60,000 alone supports about ₹44 lakh over 20 years; ₹1,00,000 combined supports about ₹73 lakh.
- Choose a longer tenure, within the age limit. LIC HFL allows up to 30 years or until age 60, whichever comes first.
- Close or reduce small loans before applying.
- Improve your credit score. A higher score can mean a lower rate, which raises the loan the same EMI supports.
Age matters as much as salary
At 45, with a retirement age of 60, the maximum tenure is about 15 years. On a ₹50,000 salary that supports about ₹32 lakh, against ₹42 lakh for a 30-year-old over 30 years. Adding a younger co-applicant can sometimes extend the tenure.
What to do next
These figures are a starting point. Your actual eligibility depends on LIC HFL’s assessment of your full profile.
Get your exact eligibility checked, free →
You can also try our income eligibility calculator and EMI calculator.
Frequently asked questions
How much home loan can I get on a ₹30,000 salary?
About ₹18–22 lakh over 20 years or ₹21–25 lakh over 30 years at an illustrative 7.75%, assuming no other EMIs.
How much home loan can I get on a ₹1 lakh salary?
About ₹61–73 lakh over 20 years or ₹70–84 lakh over 30 years at 7.75%, before existing EMIs and subject to the property’s value.
Is eligibility based on gross or net salary?
Lenders usually look at net take-home pay, adjusted for regular allowances, and verify it from payslips and bank statements.
Does a co-applicant increase home loan eligibility?
Yes. An earning co-applicant’s income is added to yours, and their EMIs are counted too.
What is FOIR?
Fixed obligation to income ratio: the share of your net income that can go to all EMIs combined, usually 50–65%.
Related guides
- What FOIR means for your home loan
- EMI tables from ₹25 lakh to ₹1 crore
- Home loan with a low CIBIL score
About the author: Vijay Arjun is a Direct Marketing Executive with LIC Housing Finance (code HYD0087) and runs Elite Financial Services, an authorised DSA of LIC Housing Finance in Kukatpally, Hyderabad. Disclosure: We are a DSA, not the lender. Loan sanction, amount, interest rate and tenure are at LIC Housing Finance’s sole discretion. Figures are illustrative; your actual eligibility depends on your full profile.