Methodology. FOIR (Fixed Obligation to Income Ratio) = (existing EMIs + new EMI) / net income × 100. Indian banks typically cap FOIR at 50–60%. Max EMI capacity = (income × FOIR%) – existing EMIs. Max loan amount is the reverse-EMI calculation from this EMI capacity at the given rate and tenure. Banks also apply a 20% down-payment requirement on property value (typically finance 80% LTV) — your eligibility above is the LOAN amount, not the home value you can buy. Property value = eligibility ÷ 0.8.