Work out the property budget that may fit your income and existing commitments.
An indicative range only. Lenders assess eligibility on income, existing obligations, credit history, employment and their own policy.
Lenders cap the share of your income that can go to EMIs — often called FOIR. The share allowed rises with income, which is why a higher salary stretches further than proportionally.
Most lenders finance up to 80% of the property value, so the down payment is rarely below 20% however much you can borrow.
Stamp duty, registration and GST are paid from your own funds, not from the loan. Budget for them separately using the stamp duty and property cost calculators.