Home Loan
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Home Loan Eligibility
Home loan eligibility may differ from lender to lender, but here are some common requirements you should know:
- Age: 21 to 60 years (salaried) / 21 to 65 years (self-employed)
- Employment Type: Salaried individuals, self-employed professionals, and business owners
- Income: Minimum monthly income of Rs 25,000 (salaried) or Rs 5 lakh p.a. (self-employed)
- Work/Business Stability: At least 2 years of work experience or 3 years of business continuity
- Credit Score: Preferably 700 and above for quicker approval and better terms
- Loan-to-Value Ratio (LTV): Typically up to 90% of the property value
Documents Required for Home Loan
Here’s a list of documents you’ll usually need when applying for a home loan:
| Document Type | Salaried Individuals | Self-Employed Individuals |
|---|---|---|
| Identity Proof | Aadhaar Card, PAN Card, Passport, Voter ID, or Driving License | Aadhaar Card, PAN Card, Passport, Voter ID, or Driving License |
| Address Proof | Aadhaar Card, Utility Bills, Rent Agreement, or Passport | Aadhaar Card, Utility Bills, Rent Agreement, or Passport |
| Income Proof | Latest 3 months’ salary slips and Form 16 | Last 2-3 years’ ITR, P&L Statement, and Balance Sheet |
| Bank Statements | Last 6 months’ bank statements | Last 12 months’ bank statements |
| Property Documents | Sale Agreement, Allotment Letter, or Property Deed | Sale Agreement, Allotment Letter, or Property Deed |
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