How much home loan EMI can one safely afford on ₹1 lakh monthly salary?

For a monthly take-home salary of ₹1 lakh, financial experts recommend keeping home loan EMI at 25% to 40% of income, or ideally ₹25,000 to ₹40,000. Banks may approve EMIs of up to 50% to 55% of income, but this could leave little room for contingencies. Homebuyers should also factor in down payment, emergency funds and existing financial obligations.