# Loan Affordability Checker

Evaluate genuine borrowing capacity and stress-test household income against EMI commitments.

## Key Rules & FOIR Thresholds
- **FOIR (Fixed Obligation to Income Ratio)**: Percentage of gross monthly income committed to all existing EMIs + new loan EMI.
- **Safe Zone**: FOIR < 40% (Comfortable repayment buffer).
- **Caution Zone**: FOIR between 40% and 50% (Acceptable for high-income earners).
- **High Risk Zone**: FOIR > 50% (High risk of debt distress during unexpected emergencies).

Canonical URL: https://www.thecreditcompass.in/affordability-checker