Banks typically allow total EMIs up to 45-50% of your monthly take-home income. On a take-home of ₹1.5 lakh with no other loans, that is roughly ₹67,000/month — about a ₹77 lakh loan at 8.5% for 20 years.

Lenders finance 75-90% of the agreement value, so plan for at least 10-25% down payment, plus another 7-12% for stamp duty, GST and registration which loans usually do not cover.

Leading banks currently lend in the 8-9% range for salaried buyers with good credit scores. Use 8.5% as a realistic planning number and get 2-3 pre-approved quotes before booking.