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Home Loan Eligibility Criteria

Banks and finance companies have pre-determined home loan eligibility criteria to verify and provide maximum ease to loan borrowers. Apart from the eligibility criteria, banks look at the applicant’s credit history to establish creditworthiness and repayment patterns.

  • Applicant must be between 21 to 65 years
  • Salaried or self employed
  • Annual income
  • Collateral security
  • Assets, financial stability and occupational continuity
  • Residence status (Indian or NRI)