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Wondering about the sanction you can get with a salary of ₹30,000 per month?

The amount you can get depends on several factors with your income being one of the key factors. 

Read on to know the details pertaining to a home loan on a salary of ₹30,000.

How Much Home Loan Can I Get on a ₹30,000 Salary?

The table below mentions the estimated loan amount that you could obtain as a home loan on a salary of ₹30,000 or less.

Net Monthly Income

Home Loan Amount











Disclaimer: The loan amounts mentioned above are estimates. The actual loan amount may vary depending on your eligibility and other factors.

The home loan amounts might differ for every application due to various factors like credit score, loan tenure, existing loan EMIs, etc. You can also use an eligibility calculator to check eligible home loan amounts for different terms and salaries.

Before applying for a house loan, you can improve your home loan eligibility. You can do so by clearing any existing debts, credit card bills etc.

Home Loan Based on Different Salary Ranges

One of the most crucial factors determining the home loan amount on a ₹30,000 salary is the borrower's net monthly income. However, your age, among other factors, also affects the loan amount you can get. 

Listed in the table below are the home loan amounts sanctioned for different salary ranges and for borrowers of different ages. The interest rate considered is 8.50%.

Borrower’s Age

Net Salary per month (Rs.)


₹25,000 – 50,000


25 Years

₹21.13 Lakhs - ₹42.26 Lakhs

₹63.40 Lakhs

30 Years

₹21.13 Lakhs - ₹42.26 Lakhs

₹63.40 Lakhs

35 Years

₹20.18 Lakhs - ₹40.36 Lakhs

₹60.54 Lakhs

40 Years

₹18.72 Lakhs – ₹37.45 Lakhs

₹56.17 Lakhs

45 Years

₹16.50 Lakhs – ₹33 Lakhs

₹49.5 Lakhs

50 Years

₹13.10 Lakhs – ₹26.21 Lakhs

₹39.31 Lakhs

Disclaimer: The loan amounts mentioned in the table above are estimates and might change as per the norms and conditions of the lending institutions.


Buying a home of your own is a big decision and one that should not be rushed. You must carefully research all the terms and conditions set by each lender and make sure you meet their eligibility criteria. 

If you wish to opt for the best and most comprehensive home loans in the market, you can apply on Bajaj Markets today. 

Home Loan on 30,000 FAQs

What loan amount can I expect on a ₹30,000 salary?

With a monthly salary of ₹30,000, you can get a home loan between ₹14 Lakhs and ₹27 Lakhs approximately. This has been calculated using the tenure as 30 years and interest rates set between 7% p.a. and 18% p.a.

What percentage of salary should a home loan amount account for?

To ensure that your home loan EMIs do not overly strain your income, it should not be more than 40% of your net salary.

Can I reapply for a home loan?

Yes, you can reapply for a home loan if the application gets rejected by the same institution. However, you must carefully work on the documents and rectify the issues with the application. You can also ask for guidance and support from bank executives.

What are the factors that decide the maximum amount for my home loan?

Your maximum loan amount depends on your home loan eligibility factors. This includes your age, location, income, existing EMIs and other financial liabilities. Moreover, your loan interest rates and tenure also influence the home loan amount a lender will offer. 

How much home loan can I get on a ₹32,000 salary?

You can get up to ₹22.88 Lakhs with a monthly salary of around ₹32,000. Again, it will depend on parameters like CIBIL score, work experience, other fixed obligations, etc. Moreover, this value is estimated for a tenure of 30 years. Choosing a long tenure can also increase your loan amount.

How to buy a home with ₹35k salary?

With a monthly salary of ₹35,000, you can get a home loan of around ₹25.03 Lakhs. You can boost your eligibility with a salaried co-applicant, choosing a longer tenure, having additional sources of income and more.

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