Home Loan Eligibility

Check if you qualify for a home loan

Age Requirements

Minimum Age 21 years
Maximum Age 70 years at loan maturity

Income Criteria

Minimum Income ₹25,000 per month
Employment Minimum 2 years experience

Credit Score

Minimum Score 650+
Ideal Score 750+ for best rates

Property Criteria

Property Type Residential only
Property Age Max 40 years at maturity

Required Documents

Identity Proof

  • Aadhaar Card
  • PAN Card
  • Passport
  • Voter's ID

Address Proof

  • Utility Bills
  • Passport
  • Driving License
  • Rental Agreement

Income Proof

  • Salary Slips (3 months)
  • Form 16
  • Bank Statements (6 months)
  • ITR for last 2 years

Property Documents

  • Sale Deed
  • Property Registration
  • NOC from Builder
  • Approved Building Plan

Additional Requirements

Employment Status

Stable employment with current employer for at least 2 years or business establishment for 3 years

FOIR

Fixed Obligation to Income Ratio should not exceed 55-60% of net monthly income

Credit History

Clean credit history with no defaults or late payments in the last 12 months