How to calculate housing loan procedure

It depends upon many factors like... Age of the applicant, tenure of loan, credit score, existing EMI outgo etc, etc,

Home Loan Eligibility Criteria

• Present Age and Remaining Working Years: The age of the applicant plays a major role in determining home loan eligibility. The maximum loan term is generally capped at 30 years.
• Age Limit for Salaried Individuals: 21 to 65 years .
• Age Limit for Self-Employed Individuals: 21 to 65 years.
• Minimum Salary: ₹10,000 p.m.
• Minimum business income: ₹2 lac p.a.
• Maximum Loan Term: 30 years.
• Financial Position: The present and the future income of applicant(s) has a significant impact on determining the loan amount.
• Past and Present Credit History and Credit Score: A clean repayment record is considered positive.
• Other Financial Obligations: Existing liabilities such as a car loan, credit card debt, etc.

As a thumb rule for 25 to 30 years tenure, it is 8/11 times monthly income (less EMI outgo, if any)