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Impact of Co-applicant and Existing Loans on Home Loan Eligibility
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Obtaining a loan is often visualized as a painstaking and time-consuming chore involving a lot of paperback and compliances.
In this article, we will guide how to avoid the hustle by being vigilant about eligibility computation and existing loans.
We will begin the discussion by understanding the Fixed Obligation Income Ratio (FOIR).
In simple terms, FOIR can be understood as the proportion of the income available for EMI servicing.
FOIR norms are determined by the institutions based on the factors like risk capacity, the profile of the customer, monthly income, collateral, credit score, and many more.
Generally, FOIR ranges between 60%-70% for a salaried applicant and 80%-100% for a self-employed applicant.
Let’s understand FOIR with an assumption that you are a salaried employee having the following particulars:
-
Monthly Income: Rs. 1 Lac
-
Applicable FOIR as per the institution: 70%
-
Running EMI obligation: Nil
Now, the total amount available for servicing for EMI would be Rs. 70000 (Rs.1 Lac*70%).
FOIR has defined the maximum value that is available for servicing of all the EMIs. So, if you are currently serving other loans as well, the EMI of the loans will be deducted from the above amount.
Let’s say, in the above example, if the EMI obligation already exists, the revised serviceable EMI value will be as under:
-
Eligible EMI: Rs. 70000 (Monthly Income * Applicable FOIR)
-
Existing EMI: Rs. 10000
The total amount available for servicing for the current EMI would be Rs. 60000 (Rs.70000-10000).
Now, we will talk about what can be done if the calculated amount is not in line with the loan requirements.
You can have additional applicants added to your loan. Adding an applicant to your loan can enhance your income which eventually increases your loan.
Family Income can be considered for the calculation of eligibility. However, only blood relatives are welcomed as co-applicant on the loan. Usually, BFSI industries authorize your spouse, your parents, your sibling, or your kids to join as a loan applicant. The norms may vary for the institutions.
Let’s see how with an additional income of a co-applicant, you can enhance your eligibility with the revised particulars in the above example:
-
Additional Income of the second Applicant: Rs. 50000
-
Applicable FOIR: 70%
-
Additional Eligible EMI: Rs. 35000(Rs.50000*70%)
Additional applicants supplemented the customer income and upgraded the serviceable EMI amount by Rs. 35000.
With the above assessment beforehand, you can have an estimation of the eligible loan amount and proceed with your loan application accordingly.
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IIFL Home Loans | Apr 23 2:45 PM
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Home Loans
How To Apply For A Home Loan?
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IIFL Home Loans | Feb 07 11:15 AM
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How to be Tension-free while Taking a Home Loan
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IIFL Home Loans | Apr 28 12:03 PM
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How to Claim Tax Benefits on a Second Home Loan
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IIFL Home Loans | Aug 04 6:38 AM
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Home Loans
How To Claim Tax Benefits On Joint Home Loans?
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IIFL Home Loans | May 21 2:45 PM
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Home Loans
How to E-Apply for a Home Loan?
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IIFL Home Loans | Jun 07 4:00 PM
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Home Loans
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Home Loans
How To Get A Home Loan Approved?
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IIFL Home Loans | Feb 07 11:30 AM
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Home Loans
How to get Home Loan and Shakthi Loan with approval in 25* Minutes
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IIFL Home Loans | Aug 26 10:07 AM
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Home Loans
How To Manage Work From Home
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IIFL Home Loans | Apr 27 4:30 PM
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Home Loans
How to Qualify for a Home Loan?
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IIFL Home Loans | Apr 22 3:45 PM
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Home Loans
How to Successfully Reduce Your Home Loan Interest Burden: Savvy Solutions
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IIFL Home Loans | Jun 02 7:21 AM
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Home Loans
IIFL Jhatpat Home Loans: An Eco Friendly Digital Strategy
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IIFL Home Loans | Jun 01 2:45 PM
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Home Loans
Impact of Co-applicant and Existing Loans on Home Loan Eligibility
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Kakul Jain | Mar 31 7:33 AM
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Home Loans
Impact of Technology on Home Loans
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IIFL Home Loans | Aug 23 3:00 PM
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Home Loans
Importance Things To Remember While Preclosing Your Home Loan
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IIFL Home Loans | Oct 31 11:00 AM
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Home Loans
Income Tax Benefits on Home Loans
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IIFL Home Loans | Jul 07 12:00 PM
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Home Loans
Indians, Do You Know The Secret Of Your Home Loan Calculation?
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IIFL Home Loans | Dec 21 2:15 PM
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Home Loans
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Home Loans
Invest in Your Home’s Future: Upgrade Today with a Specialized Renovation Loan
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IIFL Home Loans | May 19 6:42 AM
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Home Loans
Is Home Loan Insurance Mandatory for a Home Loan?
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IIFL Home Loans | Oct 20 10:06 AM
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Home Loans
Jhatpat Home Loans: Fast Loan with No Hassle
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IIFL Home Loans | Sep 08 6:15 PM
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Home Loans
Jhatpat Loans: Smart Home Loan Solution with IIFL Housing Finance
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IIFL Home Loans | Jan 18 6:30 PM
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Home Loans
Key Factors Affecting Your Home Loan Amount Eligibility
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IIFL Home Loans | May 12 11:58 AM
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Home Loans
Making Housing Affordable: Joining hands with Berry Developers
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IIFL Home Loans | Feb 26 5:00 PM
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Home Loans
Making Housing Affordable: Joining hands with Signature Global
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IIFL Home Loans | Feb 15 11:00 AM
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Home Loans
Need more money after taking a home loan Opt for a op-up loan!
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IIFL Home Loans | Feb 22 11:45 AM
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Home Loans
Opinion: Why To Go For A Joint Home Loan
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IIFL Home Loans | Aug 11 8:53 AM
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Pareshaani Nahi Aaram Chahiye, Kathin Prakriya Nahi, Saral Home Loan Chahiye
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IIFL Home Loans | Nov 04 3:00 PM
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Home Loans
Pointers For First-Time Home Buyers
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IIFL Home Loans | Apr 25 3:00 PM
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Home Loans
Points to Keep in Mind If You Are About to Retire and Want a Home Loan
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IIFL Home Loans | Jan 25 3:15 PM
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Home Loans
Possession Certificate - The Ultimate Evidence of Homeownership
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IIFL Home Loans | Jun 02 7:21 AM
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Home Loans
Revolutionizing Home Loans in India Using Phygital Approach
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Rachit Gehani | Mar 27 9:46 AM
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Home Loans
Save More With Tax Benefits of Home Renovation Loan
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IIFL Home Loans | Jul 12 11:09 AM
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Home Loans
Simplifying Home Loans - Your Go to Guide to Apply for a Home Loan
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IIFL Home Loans | Apr 12 6:23 AM
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Home Loans
SIPs Can Help You to Pay Your Home Loan Interest
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IIFL Home Loans | Nov 15 1:00 PM
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Home Loans
Steps To Close A Home Loan Without Complications
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IIFL Home Loans | Aug 24 9:48 AM
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Streamline Your Home Loan Repayment with a Hassle-Free Balance Transfer
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IIFL Home Loans | May 19 6:42 AM
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Home Loans
Success Tips For Young First-Time Home Buyers
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IIFL Home Loans | Oct 03 11:45 AM
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Home Loans
TDS on Property Purchases in India: A Complete Guide
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IIFL Home Loans | Aug 07 8:00 AM
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Home Loans
The A-Z of Housing Loan Top-Ups
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IIFL Home Loans | Jun 02 7:21 AM
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The Future of Homeownership: Online Home Loan Application
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IIFL Home Loans | Sep 15 7:07 AM
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The Role of MoD in Your Home Loan: Explained
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IIFL Home Loans | Oct 20 8:24 AM
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Home Loans
The Solution To Homelessness
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IIFL Home Loans | Feb 10 12:15 PM
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Home Loans
Three Ways To Reduce Home Loan Burden
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IIFL Home Loans | Aug 14 5:45 PM
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Top Reasons to Refinance Your Home Loan
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IIFL Home Loans | Sep 14 6:28 AM
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Understanding Home Loan Eligibility: How Much Home Loan Can I Get On My Salary?
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IIFL Home Loans | Jul 05 1:06 PM
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What Is a Pre-approved Home Loan and Its Benefits
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IIFL Home Loans | May 15 5:28 AM
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Home Loans
What Is Equitable Mortgage Home Loan?
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IIFL Home Loans | Mar 08 4:15 PM
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What Is The Difference Between A Home Loan And Plot Loan?
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IIFL Home Loans | Apr 25 10:00 AM
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Home Loans
Whether taking home loan is a wise decision or not?
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IIFL Home Loans | Apr 14 2:15 PM
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Home Loans
Why Do You Need A Joint Home Loan?
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IIFL Home Loans | Feb 10 11:45 AM
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Home Loans
Why to invest in a Home Loan than in savings account or similar?
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IIFL Home Loans | Feb 26 1:45 PM
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Home Loans
Yes, Every Home Loan Needs Insurance. Here Why
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IIFL Home Loans | Apr 14 11:30 AM
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Home Loans
निजी /सर्व शिक्षा अभियान के तहत कार्यरत शिक्षक - लाभ उठाये स्वराज होम लोन का
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IIFL Home Loans | Jun 01 3:30 PM
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Disclaimer: The information contained in this post is for general information purposes only. IIFL Home Finance Limited (including its associates and affiliates) ("the Company") assumes no liability or responsibility for any errors or omissions in the contents of this post and under no circumstances shall the Company be liable for any damage, loss, injury or disappointment, etc. suffered by any reader. All information in this post is provided "as is", with no guarantee of completeness, accuracy, timeliness, or of the results, etc. obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability, and fitness for a particular purpose. Given the changing nature of laws, rules, and regulations, there may be delays, omissions, or inaccuracies in the information contained in this post. The information on this post is provided with the understanding that the Company is not herein engaged in rendering legal, accounting, tax, or other professional advice and services. As such, it should not be used as a substitute for consultation with professional accounting, tax, legal or other competent advisers. This post may contain views and opinions which are those of the authors and do not necessarily reflect the official policy or position of any other agency or organization. This post may also contain links to external websites that are not provided or maintained by or in any way affiliated with the Company and the Company does not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites. Any/ all (Home/ Loan Against Property/ Secured Business Loan/ Balance Transfer/ Home Improvement Loan/ NRI Home Loan/ Home Loan for Uniformed Services) loan product specifications and information that may be stated in this post are subject to change from time to time, readers are advised to reach out to the Company for current specifications of the said (Home/ Loan Against Property/ Secured Business Loan/ Balance Transfer/ Home Improvement Loan/ NRI Home Loan/ Home Loan for Uniformed Services) loan.