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In today’s day and age, purchasing a home can often prove difficult, owing to ever-increasing real estate rates, coupled with steep inflation. However, you can still purchase the home of your dreams by availing a home loan. With the help of easy monthly instalments, you can repay the loan amount over a flexible tenure of your choosing. Over the course of this article, we shall look into 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

If your salary at the moment is ₹30,000 per month, and you wish to secure a home loan, you may be wondering how much loan amount you will be sanctioned. The table below mentions the amount that you can hope to obtain as a home loan for different salary ranges. Applicants can also use an eligibility calculator to check eligible home loan amounts. The home loan amounts might differ for every application due to various factors like credit score, loan tenure, etc.

Net monthly income

Home loan amount











Before applying for a house loan, you as a borrower can improve your home loan eligibility. You can do so by first clearing any debts that you may already possess – credit card dues, personal loans, vehicle loans, and so on. By doing this, your credit score and credit history will improve and will reassure your lender of your repayment ability.

How much home loan can I get on ₹32000 salary?

You can get up to ₹26 Lakhs with a monthly salary of around ₹32,000. Again, it will depend on parameters like CIBIL score, work experience etc.

How to buy home with ₹35k salary?

With a monthly salary of ₹35,000, you can get a home loan of around ₹23-29 Lakhs. You can boost your eligibility with a salaried co-applicant, choosing a longer tenure, having additional sources of income and more.

Home Loans Based on Salaries

One of the most crucial factors that determines the amount of a home loan amount for a Rs. 30000 salary is the net monthly income of the borrower. Listed in the table below are the home loan amounts sanctioned by lenders for each salary range:

Borrower’s Age

Net Salary per month (Rs.)


₹25,000 – 50,000


25 Years

₹20.85 Lakhs - 41.70 Lakhs

₹62.55 Lakhs

30 Years

₹20.85 Lakhs - 41.70 Lakhs

₹62.55 Lakhs

35 Years

₹20.85 Lakhs - 41.70 Lakhs

₹62.55 Lakhs

40 Years

₹19.78 Lakhs – 39.56 Lakhs

₹59.35 Lakhs

45 Years

₹17.77 Lakhs – 35.55 Lakhs

₹53.32 Lakhs

50 Years

₹14.63 Lakhs – 29.26 Lakhs

₹43.89 Lakhs

Note - The loan amounts mentioned in the table above are estimated figures and might change as per the norms and conditions of the banks and financial institutions.


Buying a home of your own is a big decision and 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, make sure you visit the Bajaj Markets website today. 

Home Loan on 30,000 FAQs

Suppose you are 25 years of age and do not have any outstanding debts, with a monthly salary of ₹30,000, you will be sanctioned a home loan of up to ₹25 Lakhs. 

To ensure that EMIs should not disturb the monthly budget of an individual, it is advisable that the EMI amount should account for only 40% of the monthly salary of an individual.

The applicants can reapply for a home loan, if their application gets rejected with the same institution as well, however they will have to carefully work on their documents and rectify the issues with the application. The applicants can also ask for guidance and support from bank executives.

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