Home Loan
Home Loan Eligibility Checker
A home loan is secured against the property being purchased, which typically allows for higher loan amounts, longer repayment tenures and lower interest rates than unsecured loans. Eligibility is closely tied to your income multiple, existing obligations, and the property's valuation.
Home Loan at a Glance
| Interest Rate | 7.25% - 11.5% p.a. |
|---|---|
| Loan Amount | Up to ₹10 Crore |
| Tenure | Up to 30 years |
Eligibility Criteria
Who Typically Qualifies
- Age typically 18-65 years (tenure must end before retirement age for salaried applicants)
- Stable income - salaried or documented self-employed income
- Credit score of 700+ generally unlocks the best interest rates
- Down payment of at least 10-25% of property value from your own funds
Documents Needed
Keep These Ready
- Identity and address proof (PAN, Aadhaar)
- Income proof - salary slips/ITR and Form 16
- Property documents (sale agreement, title deed)
- Bank statements for the last 6-12 months
See Your Home Loan Eligibility Score
Answer a few questions about your income and profile to get an instant, free eligibility estimate - no impact on your CIBIL score.
Check Eligibility Now34 Lenders Offering a Home Loan
Each lender's own home loan criteria - age, income, credit score, rates and documents - on its page.
- AU Small Finance Bank
- Aditya Birla Capital
- Axis Bank
- Bajaj Housing Finance
- Bandhan Bank
- Bank of Baroda
- Bank of India
- Bank of Maharashtra
- Canara Bank
- Central Bank of India
- Cholamandalam Investment & Finance
- DCB Bank
- HDFC Bank
- ICICI Bank
- IDBI Bank
- IDFC FIRST Bank
- IIFL Home Finance
- Indian Bank
- Indian Overseas Bank
- IndusInd Bank
- Jio Credit
- Kotak Mahindra Bank
- L&T Finance
- LIC Housing Finance
- Mahindra Finance
- Muthoot Finance
- Punjab & Sind Bank
- Punjab National Bank
- RBL Bank
- State Bank of India
- Tata Capital
- UCO Bank
- Union Bank of India
- YES Bank
Home Loan FAQs
A common rule of thumb is up to roughly 5 times your gross annual income for salaried applicants with a good credit score, though the exact figure depends on your existing EMIs, age, and the lender's policy.
A credit score of 750 or above generally unlocks the most competitive interest rates, though many lenders will still consider applicants with scores from 700 upwards.
Yes, with documented income proof such as ITRs and financial statements for the last 2-3 years - lenders typically apply a slightly more conservative income multiple for self-employed profiles.
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