Enter your income and savings to find your realistic property budget. See which Pune neighbourhoods match your budget — from Pimpri to Baner.
Our experts give you a pre-approval letter in 48 hours — go property hunting with confidence and negotiating power.
Home affordability depends on three factors: your loan eligibility (based on income and existing EMIs), your savings available as down payment, and your monthly cash flow comfort after paying EMI. Our calculator combines all three to give you a realistic property budget.
The general rule followed by Indian banks is that your total EMI outgo should not exceed 50% of your net monthly income. Adding your down payment savings to your maximum loan amount gives your affordable property budget.
| Property Value | Min Down Payment (10%) | Recommended (20%) | Loan Amount (80%) |
|---|---|---|---|
| ₹40 Lakh | ₹4 Lakh | ₹8 Lakh | ₹32 Lakh |
| ₹60 Lakh | ₹6 Lakh | ₹12 Lakh | ₹48 Lakh |
| ₹80 Lakh | ₹8 Lakh | ₹16 Lakh | ₹64 Lakh |
| ₹1 Crore | ₹10 Lakh | ₹20 Lakh | ₹80 Lakh |
| ₹1.5 Crore | ₹22.5 Lakh | ₹30 Lakh | ₹1.2 Crore |