See your EMI and whether a lender would realistically approve you — based on the standard FOIR (Fixed Obligation to Income Ratio) rule banks use.
What Is FOIR?
FOIR (Fixed Obligation to Income Ratio) is what banks use to judge loan eligibility — your total EMIs (existing + new) divided by your net monthly income. Most lenders cap this at 40-50%. Above that, approval becomes unlikely without a co-applicant or a smaller loan amount.
Want to Discuss Your Specific Situation?
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