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Home Loans Eligibility Criteria

Planning to buy your own home is the dream for every single individual, if you have planned to buy a home then you must have decided to take up the home loan. If you are planning to take the home loan from financial institution, then every institution has certain level of criteria to grant the loan to individual.

Monthly Income

Whether you are salaried person or have your own set of business, you need to present the income source. Most of the institution make sure you have the sturdy source of income, so that they can make sure there is no NPA.


: If you are a salaried individual, the home loan eligibility will depend on your age. There will be a certain repayment tenure on the loan and your ability to repay the loan will highly depend on the same.


Your credit application will be affected by the number of dependents on you, as it will make your repayment little dicey.

Cibil Score

It is very important to make sure you have the ideal Cibil Score so that you can easily get the loan.

Documents Required for Home Loans

To make sure you get the home loan without much hassle then you must make sure that you keep all the required document handy to avoid any sort of restriction. Below are the details of the documents required to ensure you get the loan easily.

Documents required for salaried individuals
  • Income Proof (Salary Slips)
  • Form 16
  • Last 3 months bank statement
  • Property Details
  • Address Proof
  • Identity Proof
  • Passport Size Photograph
Documents Required For Businessman Or Self-Employed
  • Proof Of Business
  • Financial Balance Sheet
  • Bank Statements
  • Property Details
  • Address Prooff
  • Identity Proof
  • Passport Size Photograph