Margins · 12 months loan account statement with latest outstanding letter · Existing loan details and 6 months bank statement from where EMI is deducted. The Home Loan Eligibility calculator helps you to understand your home loan eligibility depending on your income and repayment capacity. There are several. Factors affecting home loan eligibility · Your age – This determines what the tenure of the loan will be, which in turn will determine your EMI. · The nature and size of.