Loan-to-value (LTV)
The share of a home's price a bank can lend: at most 90%, 80% or 75% depending on the price.
RBI caps home loans at 90% of the value up to ₹30 lakh, 80% from ₹30 to ₹75 lakh and 75% above. You pay the rest, plus stamp duty and registration, as the down payment.
Example
A ₹60 lakh home: a loan of up to ₹48 lakh, so at least ₹12 lakh down.
Home Loan Eligibility Calculator
How big a home loan your income supports, the EMI, and the home price it can go towards.
Related terms
Rules as of tax year 2026-27. Written by the Welthr team; last reviewed on . Not financial advice.