Mortgage Stress Test
Not just today's EMI — what happens to your debt-to-income ratio if the rate rises, your income drops, or both happen at once.
Your mortgage
₹
%
yrs
Your income & other debt
₹
₹
Debt-to-income (DTI) bands match the rest of the site: under 35% is safe, 35–50% is strained, over 50% is critical — the same thresholds Get Rid of My Loan and Loan Consolidation use, so a household's risk reads the same way everywhere on MoneyFrame.
Today
₹45,561/mo
Current DTI: 46%
MoneyFrame's Take: STRAINED
Your DTI crosses the critical 50% threshold if your rate rises to 9.9%. On the income side, a 8% drop would do the same.
| Scenario | EMI | DTI | Status |
|---|---|---|---|
| Today Your current rate and income, no shock applied. | ₹45,561 | 46% | STRAINED |
| Rate +1% If your rate rose from 8.5% to 9.5% — a real possibility on a floating-rate loan, not a hypothetical. | ₹48,937 (+₹3,376) | 49% | STRAINED |
| Rate +2% If your rate rose from 8.5% to 10.5% — a real possibility on a floating-rate loan, not a hypothetical. | ₹52,415 (+₹6,854) | 52% | CRITICAL |
| Rate +3% If your rate rose from 8.5% to 11.5% — a real possibility on a floating-rate loan, not a hypothetical. | ₹55,988 (+₹10,427) | 55% | CRITICAL |
| Income −10% A 10% income drop — a pay cut, job loss recovery period, or a household going from two incomes to one. | ₹45,561 | 51% | CRITICAL |
| Income −20% A 20% income drop — a pay cut, job loss recovery period, or a household going from two incomes to one. | ₹45,561 | 58% | CRITICAL |
| Income −30% A 30% income drop — a pay cut, job loss recovery period, or a household going from two incomes to one. | ₹45,561 | 66% | CRITICAL |
| Rate +2% and income −15% The realistic worst case: a rate rise and an income setback landing in the same period. | ₹52,415 (+₹6,854) | 61% | CRITICAL |