calculate_home_affordability

EMI + debt-to-income affordability estimate given salary, down-payment, tenure. Not financial advice.

Endpoint POST https://api.avnester.com/public/v1/calculate_home_affordability

Parameters

The most-used parameters. Full schema in the OpenAPI document.

Name	Type	Required	Description
monthlyIncomeInr	number	required	Monthly take-home in INR.
downPaymentInr	number	required	Down-payment available in INR.
existingEmiInr	number	optional	Sum of existing EMIs. Defaults to 0.
tenureYears	number	optional	Loan tenure. Defaults to 20.
interestRatePercent	number	optional	Annual interest. Defaults to current market estimate.

Worked example

# affordability for a buyer earning ₹1.2L/month with ₹15L down-payment

curl -X POST https://api.avnester.com/public/v1/calculate_home_affordability \
  -H 'Content-Type: application/json' \
  -d '{
       "monthlyIncomeInr": 120000,
       "downPaymentInr": 1500000,
       "existingEmiInr": 8000,
       "tenureYears": 20
     }'

Response

{
  "maxAffordablePropertyPriceInr": 7800000,
  "estimatedEmiInr": 48000,
  "dtiRatio": 0.4,
  "interestRatePercentUsed": 8.5,
  "disclaimer": "This is a regulatory-rate estimate, not financial advice. Confirm with your lender.",
  "attribution": "AVnester"
}

Rate limits

Anonymous

60/min

OAuth (Team)

600/min

Per-IP aggregate cap (across all tools): 60/min. OAuth registration lifts both the per-tool budget (10×) and removes the IP cap.

Common errors

400Invalid request body
Check required parameters and types. The error.message field will name the offending parameter.
429Rate limit exceeded
Back off until the time in the Retry-After header; or authenticate with OAuth for the 10× tier.

Next steps

→ Try calculate_home_affordability in the playground (no signup, anon tier)
→ Register an OAuth client (10× rate budget)
→ Browse the other 6 tools
→ Full schema in the OpenAPI spec