How much housing loan can I get based on net profit in ITR and total turnover in income tax returns For example, if you have IT net profit 5 lakhs per year and below 1 crore turnover , you will be eligible for home loan amount between 25 lakhs to 35 lakhs . if you have net profit 5 lakhs income tax and above 1 crore, you will be eligible for housing loan 80 lakhs to 1 crore depending on your age, credit score and business factors. This is assuming that you have no running loans