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Verdict
A stretch — doable, but tight
Monthly EMI
₹41,656
EMI + existing dues
₹41,656
Debt-to-income
42%
Safe house budget
₹58.1 L
Loan amount₹48,00,000
Income needed for this house₹1,04,140/mo
Recommended down payment (20%)₹12,00,000
Obligations incl. expenses (FOIR)77%
Indicative only. Lenders use the 40% debt-to-income rule as a comfort ceiling; final eligibility varies by bank, credit score and profile.