Explore the Features and Advantages of Our Home Loan Options

Get access to a variety of home loan solutions from top financial institutions offering attractive interest rates and budget-friendly EMIs.

Home Construction Loan:
Own a plot but need funds to build your dream home? A Home Construction Loan is designed to help you construct a new house or carry out significant repairs on your existing property.

Home Extension Loan:
If you’re planning to expand your current home—perhaps by adding extra rooms, an upper floor, or a new wing—a Home Extension Loan is the ideal financing option to support your growth plans.

Home Renovation Loan:
Give your home a makeover! Whether it’s upgrading outdated interiors, replacing old furniture, or fixing electrical issues, a Home Renovation Loan helps finance all your home improvement needs for a better living experience.

NRI Home Loan:
For Non-Resident Indians (NRIs) looking to invest in residential real estate back in India, the NRI Home Loan makes it possible. Though the application process includes a few extra formalities, it’s designed to help you reconnect with your roots through property ownership.

Attractive Interest Rates

Minimal Documentation

30 Years of Tenure

Attractive Interest Rates

Minimal Documentation

30 Years of Tenure

Home Loan Eligibility Criteria

To qualify for a home loan, applicants must meet the following basic conditions:

Age Requirements

  • General Requirement: Applicants should be at least 21 years old at the time the loan starts, and not more than 65 years old at the time of loan completion.
  • For Salaried Individuals: Age should range between 21 and 58 years.
  • For Self-Employed Individuals: Age must be between 25 and 65 years.

Minimum Income Criteria

  • Salaried Individuals: Must have a monthly income of Rs. 10,000 or more.
  • Self-Employed Individuals: Should have an annual income of at least Rs. 2,00,000.

Work Experience

  • Salaried Professionals: Should have 2 to 3 years of continuous employment in an MNC, private limited, or public limited organization.
  • Self-Employed Professionals: Must have at least 3 years of experience in the current line of business or profession.

Credit Score

  • A minimum credit score of 750 is generally considered favorable for loan approval.

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    Documents Required for Home Loan

    For Salaried Individuals

    • Latest Form 16
    • Employee ID card
    • Last 3 months’ salary slips
    • Bank statement for the past 6 months
    • Proof of employment duration

    For Self-Employed Individuals

    • PAN card
    • Relevant Trade License
    • Partnership Deed (if applicable)
    • Articles and Memorandum of Association
    • Import Export Code, if any
    • SEBI registration certificate
    • Registrar of Companies (ROC) registration certificate
    • Audited financial statements by a Chartered Accountant
    • Profit and Loss account
    • Balance sheet
    • 6-month bank statement
    • Valid Professional Practice License (for doctors, consultants, etc.)
    • Business registration certificate for shops, factories, and other businesses
    • Proof of business premises

    For NRI Applicants

    • Valid income documents as per country of residence
    • Relevant property documents including:
      • Sale deed
      • Stamped agreement to sell
      • Allotment letter
      • No Objection Certificate (NOC) from:
        • Builder
        • Housing Society
      • Possession certificate
      • Land tax receipt
      • Estimate of construction costs (if applicable)
      • Bank statement showing payments to seller or builder
      • Payment receipts for payments made
      • In case of resale property, a share certificate is required

    Occupancy certificate

    FAQs

    What exactly is a home loan?

    A home loan is money that you borrow from a bank or lender to buy, build, or renovate a house. You pay it back every month with some extra amount called interest.

     How can I become eligible for a home loan?

    To get a home loan, you must have a stable income, a good credit score, and the ability to repay the loan. Banks also check your job type, age, and existing debts before approving it.

    Can I pay off my home loan early?

    Yes, you can repay your loan before the full term ends. This is called prepayment. Some banks may charge a small fee for it, especially if you have a fixed interest rate.

    Can a bank give me a full 100% loan for my home?

    Usually no. Most banks give up to 75–90% of the property’s cost. You need to pay the rest (called the down payment) from your own savings.

    What’s the highest loan amount I can get for a home?

    It depends on your income, age, job, credit score, and the value of the property. The more you earn, the higher the loan you can get.