Are you planning on taking a loan for your dream house? Then you must have a specific figure in mind – but have you assessed whether or not you are eligible for the amount? Your Home Loan eligibility plays a vital role in determining the amount you will be sanctioned. Therefore, you must be well aware of the factors determining your eligibility and how you can improve the same so as to get your hands on the desired loan amount.
What is Home Loan Eligibility?
Home Loan eligibility simply means a borrower’s credibility of receiving a certain amount as a loan. It is typically measured on the basis of one’s financial background, age, previous credit behaviour and CIBIL score. When applying for a housing loan, lenders assess your eligibility to ensure you are capable of repaying the full amount.
Factors Determining Your Home Loan Eligibility
Listed below are the major factors that determine your eligibility for a Home Loan –
- Credit Score
One of the most crucial factors looked into by lending institutions is the credit score or CIBIL score. The score typically ranging from 300 to 900 represents your creditworthiness based on past repayment records – existing debts, bills and EMIs etc. To get the housing loan amount sanctioned, it is important to maintain a good CIBIL score, preferably above 750. Banks and financial institutions often check the CIBIL score using an online calculator to assess your eligibility. - Borrower’s Age
Getting a loan approved at a younger age is easier and more profitable since it leaves you with ample time to repay the amount in full. That is why lending institutions usually prefer sanctioning the amount to borrowers in their early career stage than to those nearing the age of retirement. -
Employment Type
The type of employment or profession you are into also determines your eligibility for a loan. Most lenders prefer the borrowers to be employed in a public or private sector organization or an MNC or have a demonstrated history of own business as it implies a stable source of income. -
Monthly Income
Another deciding factor that comes to play is your income. Banks and financial institutions generally consider a minimum monthly salary of INR 25,000/- suitable for Home Loan sanctions. Any amount less than that may project the customer as a high-risk borrower. -
Assets and Liabilities
Lending institutions evaluate your assets and liabilities to determine your Home Loan eligibility since it helps them assess your repayment capability. The more assets you have with zero liabilities, the better the chances of getting your housing loan sanctioned. -
The following table shows the detailed Home Loan eligibility for both salaried and self-employed borrowers –
Parameters | Salaried Individuals | Self-employed Individuals |
---|---|---|
Age | 23 to 75 years** | 25 to 70 years** |
Nationality | Indian | |
Minimum Monthly Income | INR 25,000/- | |
Employment Type | 3+ years of experience in an MNC or in the private/public sector | 5+ years of experience running a business with a steady flow of income |
Credit Score | 750+ |
**The upper age limit is considered as the age at the time of loan maturity. Additionally, the upper age limit for applicants is subject to change, depending on the property profile.
Home Loan Eligibility Based on City and Property Value
Here is a comparison of the monthly net income and property value based on the city of loan application –
Name of the City | Minimum Monthly Net Income | Property Value |
---|---|---|
Aurangabad, Ahmedabad, Baroda, Bangalore, Banswara, Bhubaneshwar, Bhopal, Calicut, Chennai, Cochin, Chandigarh, Coimbatore, Dholka, Didwana, Goa, Halvad, Hyderabad, Indore, Jamnagar, Jaipur, Jhalawar, Junagarh, Jodhpur, Kolkata, Kolhapur, Kisangarh, Lucknow, Mysore, Madurai, Nasik, Nagpur, Pune, Rajkot, Suratgarh, Surat, Trivandrum, Tiruchirappalli, Vijayawada, Vapi, Vizag | INR 25,000/- | INR 15 Lakh |
Faridabad, Delhi, Gurugram, Ghaziabad, Navi Mumbai, Mumbai, Thane, Noida | INR 30,000/- | INR 15 Lakh |
How to Increase Your Home Loan Eligibility
If all the above factors fall in place, you need not worry about having the loan amount approved. However, if you are far from meeting the above criteria, you may have to work towards improving your Home Loan eligibility. Here are a few smart ways that you can increase your chances of getting the desired loan amount –
-
Pay Your Dues on Time
Firstly, make sure you do not delay or default payments – be it a previous loan EMI, credit card bills, and so on. This will help you boost your credit score and make you more eligible for a housing loan.
-
Monitor Your Credit Report
Sometimes, a glitch or an error in the credit report may affect your Home Loan eligibility. Therefore, it is important to keep a track of your credit report on a regular basis and rectify any discrepancies that may show up.
-
Add a Co-applicant
One way to boost Home Loan eligibility is by adding a co-applicant – a spouse or parent who has a stable job and source of income. This works as a solid financial backup as the lender sees both applicants as capable of repaying the loan amount.
-
Limit Your Debt-to-Income Ratio
Your debt-to-income ratio measures the amount you owe each month with respect to your earnings. You should aim to keep this ratio below 30% to qualify for a lump sum.
Besides adopting the above measures, you can use an online Home Loan Eligibility Calculator to check your eligibility from time to time.
Calculate Your Home Loan Eligibility Online
A Home Loan eligibility calculator is a specially designed online tool that helps to assess the loan amount one is eligible for depending on the various factors discussed above. Borrowers can access the online tool from the chosen lender’s website and provide a few details to calculate their Home Loan eligibility.
The steps to use a home loan calculator for eligibility are as follows –
- Access the housing loan eligibility calculator tool online
- Enter the name of the city where you are purchasing the house
- Enter your date of birth
- Key in your monthly salary details
- Mention the amount you will spend on other financial obligations
- Wait for the calculator to show the estimated loan amount according to your eligibility
The Home Loan Eligibility Calculator is a great option owing to the following reasons –
- Easily accessible and user-friendly
- Faster, accurate results
- No end-usage restrictions
Documents Required for Home Loan Eligibility
Once you meet the Home Loan eligibility criteria and have an estimate of the suitable loan amount, you can apply for a housing loan. For that, you must have the following documents in place –
- Mandatory documents such as PAN card or Form 60
- KYC Documents – Aadhaar Card, Voter’s ID, Passport, Driving License (any one of these)
- Employment ID Card
- Last 3 months’ bank account statements for salaried individuals and the last 6 months’ bank statements for self-employed individuals
- Last 3 months’ salary slips
- Paperwork showing at least 5 years of business proof
Note: Additional documents might be required during loan processing.
Conclusion
With the cost of real estate scaling up exponentially, a housing loan with affordable EMIs and Home Loan interest rates can be the perfect solution. But before you venture that path, you must be sure of the eligibility parameters set by lenders. The above pointers can help you increase your Home Loan eligibility and get your hands on a loan amount of up to INR 5 Crores for a duration of 30 years. Start by improving your CIBIL score and clearing any outstanding debts. Take some time out to do extensive market research and get in touch with the best Home Loan providers who can guarantee easy loan sanctions and faster disbursals.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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cibil Cibil
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How Does Missing One Payment Affect Your CIBIL Score?2024-05-15 | 4 min
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home+loan Home Loan
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6 Ways to Reduce Your Home Loan Interest2024-03-20 | 4 min
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cibil Cibil
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cibil Cibil
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What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
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How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
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How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
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How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
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How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
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How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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[N][T][T][N][T]
Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
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What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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home+loan Home Loan
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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home+loan Home Loan
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?