Final eligible loan
₹32,94,760
EMI ₹31,391 · 15 yr · 7.95% p.a.
Limited by LTV Limit
Three-way limiter
Eligible loan is the shortest of these three bars.
FOIR capacity₹90,83,085
LTV limit · binds₹32,94,760
Amount applied₹35,00,000
How the file is worked
- 01Project Cost & LTVEnter agreement, GST, furniture and realizable value. LTV is taken on the lower of cost and valuation.
- 02FOIR capacityApplicant and co-applicant income set the maximum EMI the family can service.
- 03EMI at CIBIL ROIInterest on daily basis with monthly rests, priced off the Enhanced CreditVision Score.
- 04Quantum of FinanceEligible loan is always the lowest of FOIR, LTV and the amount applied.
LTV norms
No deviation permitted in LTV or margin.
| Loan amount | Max LTV |
|---|---|
| Up to ₹20 Lakh | 90% |
| > ₹20L to ₹75L | 80% |
| Above ₹75 Lakh | 75% |
CIBIL-linked rate of interest
Enhanced CreditVision Score (V4) · product family 6250
| Score slab | ROI p.a. | Product |
|---|---|---|
| Above 860 | 7.10% | 6250-2000 |
| 816 – 860 | 7.35% | 6250-1002 |
| 781 – 815 | 7.50% | 6250-1003 |
| 721 – 780 | 7.95% | 6250-1004 |
| 691 – 720 | 8.50% | 6250-1005 |
| 650 – 690 | 8.75% | 6250-1006 |
| Below 650 | 9.00% | 6250-1007 |
| −1 to 300 (No History) | 8.25% | 6250-1008 |
| Housing Loan under CRE | 8.50% | 6250-2902 |
Yellow-tinted fields are inputs. Final eligible loan = lowest of FOIR eligibility, LTV eligibility and the amount applied. Lending Guidelines 2025-26.