Once you have found your dream home, having some financial backup certainly makes things easier. A Home Loan is just the perfect solution in case you do not have sufficient funds or are reluctant to splurge all your savings. Before applying for a housing loan, it is advisable to check your eligibility. Read on to learn what determines Home Loan eligibility and how you check your eligibility instantly before applying for a loan.
What are Home Loan Eligibility Criteria?
Home Loan eligibility criteria refer to a set of parameters based on which any financial institution – banks or NBFCs – evaluates the borrower’s creditworthiness to avail of a Home Loan and repay a certain loan amount. An individual’s eligibility for a housing loan depends on parameters, such as credit history and CIBIL score, age, employment status, and financial obligations.
Factors Affecting Home Loan Eligibility
An individual’s eligibility for a Home Loan is primarily determined based on the following factors:
- Applicant’s Age
This basically concerns how many years of employment you have left to be able to repay the loan amount comfortably. The younger the age, the better the chances. This is because taking a Home Loan at a young age, years before your retirement allows you faster approval and sanction on the desired amount. It further helps lower your EMIs and offers a competitive Home Loan interest rate. - Income
Lenders usually determine a specific income range based on the city you reside in to assess your eligibility for a housing loan. A stable income enhances your chances of getting approved for a Home Loan. - Employment Status
The next big factor determining Home Loan eligibility is your employment status. Working in a public or private sector company or an MNC for 3 years and over projects you as a reliable borrower. If you are self-employed and run a business with over 5 years of demonstrated income, lenders are more inclined towards sanctioning the loan on flexible terms. - Credit Score
Your credit score or CIBIL score reflects your creditworthiness based on your repayment history – the number of existing loans or credit card dues you have, the kind of debt you previously borrowed, etc. The lender can simply assess your financial credibility and repayment capability on the basis of the CIBIL score before sanctioning the loan. On a scale of 300 to 900, a score of 750+ is typically desirable. The higher the score, the more promising are your chances. - Existing Financial Obligations
This is one of the most important factors affecting your Home Loan eligibility as lenders are deeply concerned with unpaid dues. If you frequently miss or delay loan EMIs, the lender may perceive you as someone prone to defaulting on repayments.
Home Loan Eligibility Based on the Value of Property
When applying for a loan, you should know that the lender sanctions the loan amount basis the loan-to-value ratio or LTV. Simply put, LTV refers to the percentage of the property value financial institutions agree to lend you. The remaining cost is to be borne by you. Increasing the LTV raises the perceived risk of the borrower, whereas a reduced LTV ratio can result in more favourable terms, such as lower interest rates on your Home Loan. It depends on the location, age, and evaluation of the property, commercial or residential.
The table below displays the LTV ratio one is eligible for as per the property value:
Value of the Property | LTV Ratio |
---|---|
Below Rs.30 Lakh | 90% |
Rs.30-75 Lakh | 80% |
Above Rs.75 Lakh | 70% |
How Home Loan Eligibility is Calculated?
The following is an example of how Home Loan eligibility is calculated.
Let's say you are earning Rs.1,50,000 per month and have no financial obligations. If you are planning to avail of a Home Loan for 20 years at an interest rate of 8.50%* p.a. then your FOIR or Fixed Obligation to Income Ratio will be:
FOIR = Home loan eligibility = Your monthly savings / (EMI per lakh x 1 lakh)
EMI per Lakh for a loan tenor of 20 years at an interest rate of 8.50%* p.a. is Rs.868.
Therefore, Home Loan eligibility = (50% of 1,50,000 – 0) / (868 x 1,00,000) = Rs.86,42,313
So, with a monthly income of Rs.1,50,000, you would be eligible for a maximum loan amount of Rs.86,42,313 at an interest rate of 8.50%* p.a. for a tenor of 20 years.
Calculating Home Loan eligibility manually may cause errors. Instead, to get error-free results instantly, you can use a Home Loan Eligibility Calculator and determine the loan amount you would be eligible for.
How to Increase Your Home Loan Eligibility?
Once you know about the factors affecting your Home Loan eligibility, you can work towards improving it by adopting a few measures before approaching the lender. Here are a few tips to increase your Home Loan eligibility:
- Clear your debts, existing loans, and credit card bills on time to avoid any defaults.
- Keep your debt-to-income ratio low, preferably below 30%.
- Aim for a higher CIBIL score, preferably over 750.
- Review your credit report regularly to look for any errors and fix them at the earliest.
- Declare other income sources, such as investment returns, dividends, and rentals.
- Add your spouse/parents as a financial co-applicant to demonstrate solid financial backup.
- Opt for a longer repayment tenor.
Be sure to use a Home Loan Eligibility Calculator to assess your eligibility before applying for a loan for your dream house.
What is a Home Loan Eligibility Calculator?
A Home Loan eligibility calculator, as the name suggests, is a customised online tool used to calculate an individual’s eligibility for a Home Loan by taking various factors into account, such as your city of residence, date of birth, monthly income, and monthly obligation. It helps you determine how much loan amount you are eligible for.
Steps to Use a Home Loan Eligibility Calculator
You can check your eligibility in a jiffy with the help of a Home Loan Eligibility Calculator. All you have to do is follow the steps mentioned below –
- Access the online calculator on our website.
- Select the city you reside in.
- Enter your date of birth.
-
Provide details about your monthly income and other obligations.
The Home Loan Eligibility Calculator will automatically display the amount best suited for you.
How to Calculate the EMI for Your Home Loan
Talking about manageable EMIs, you can estimate your monthly instalments with the help of a Home Loan EMI Calculator. The online tool is designed to provide you with an estimate on the basis of information, such as principal amount, repayment tenor, and Home Loan interest rate.
The Home Loan EMI Calculator works by the following mathematical formula:
EMI = P x R x (1+R)^N / [(1+R)^N-1],
where P = Principal; R = Rate of interest; N = loan tenor
How to Use an Online Calculator for Home Loan EMI
The steps to use an online calculator for housing loan EMI are simple. All you have to do is:
- Access the online calculator on our website.
- Enter the principal amount followed by the rate of interest and tenor (in years)
The calculator will provide an estimate of the Home Loan EMI in seconds. You can also view the total EMI and total payable amount displayed on the screen. The best part about using a Home Loan EMI Calculator is that you can experiment with various factors to arrive at a suitable EMI value at no cost.
Conclusion
While a housing loan can make for an easier, more convenient financial solution to property purchase, one has to be eligible to enjoy these benefits. Therefore, it is important to know what makes you eligible for the loan and how you can increase your chances of getting it sanctioned without hassles. One of the best ways to determine this is by using an online Home Loan Eligibility Calculator. Nevertheless, you can always discuss your Home Loan eligibility and monthly EMIs with your lender.
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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How a Good CIBIL Score Can Help You Celebrate the Festive Season Better2024-03-19 | 5 min
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home+loan Home Loan
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How to Get a Better Interest Rate on Your Home Loan2024-01-04 | 5 min
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cibil Cibil
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How Can Your CIBIL Score Help in Negotiating Better Home Loan Deals2023-05-18 | 4 min
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home+loan Home Loan
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Get a Home Loan Without Visiting Branch: A Step-by-Step Guide2024-03-20 | 4 min
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home+loan Home Loan
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Complete Guide to Securing a Attractive Interest on Home Loans2024-01-23 | 3 min
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loan+against+property Loan Against Property
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Understanding the Fees and Charges on Your Loan Against Property2024-02-16 | 8 min
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cibil Cibil
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Here’s What You Can Do to Improve Your CIBIL Score2023-03-16 | 4 min
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home+loan Home Loan
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Home Loan Refinancing: What, Why, and Things to Remember2024-06-17 | 5 Min
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tax Tax
[N][T][T][N][T]
How to Avail of Tax Benefits on a Loan Against Property2024-06-13 | 5 Min
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cibil Cibil
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Top 10 Reasons For Low CIBIL Score & How To Improve It2024-03-01 | 5 min
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home+loan Home Loan
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5 Great Ways Women Can Benefit from Taking a Housing Loan2024-01-16 | 5 min
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loan+against+property Loan Against Property
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Top Benefits of a Loan Against Property Over Collateral-Free Loans2024-01-09 | 4 min
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cibil Cibil
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Five Reasons Why a Bad Credit Score Could Lead to Loan Rejection2024-01-22 | 5 min
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cibil Cibil
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How Does Your Digital Footprint Affect Your CIBIL Score?2024-03-20 | 5 min
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cibil Cibil
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How Can I Get My ECN Number in CIBIL?2024-01-09 | 5 min
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home+loan Home Loan
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What is Foreclosing a Home Loan? These are Some of the Do’s and Don’ts2023-12-20 | 6 min
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tax Tax
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10 Useful Income Tax Deductions for FY 2022-232024-02-21 | 6 min
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home+loan Home Loan
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All You Need to Know About Home Loans2023-01-19 | 5 min
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cibil Cibil
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Ways You Can Improve your Credit Score for a Small Business2023-03-01 | 5 min
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tax Tax
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5 Tax Savings and Other Advantages You Can Get When You Apply for Home Loans2024-02-14 | 6 min
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cibil Cibil
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Reasons Why Your CIBIL Score Is Going Down2024-04-10 | 4 min
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Checklist of Documents Required for Home Loan2024-02-07 | 5 min
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home+loan Home Loan
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How to Get a Housing Loan Approved Instantly?2024-04-10 | 5 min
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home+loan Home Loan
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What Is a Pre-Approved Home Loan and How Should You Get It Done?2024-03-12 | 5 min
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tax Tax
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Should You Get a Home Loan to Save Your Taxes?2024-02-01 | 3 min
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home+loan Home Loan
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How to Pay Off Your Home Loan Quicker2024-03-11 | 4 Min
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cibil Cibil
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How Business Loans Affect Your CIBIL Score & How to Improve the Same2024-03-13 | 6 min
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loan+against+property Loan Against Property
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Short vs. Long Loan Against Property Tenor - Which Is Better?2024-05-07 | 4 min
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home+loan Home Loan
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Consider These Factors Before Foreclosing Your Home Loan2024-04-16 | 3 min
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tax Tax
[N][T][T][N][T]
What is a Property Tax in India and How is It Calculated?2024-03-13 | 4 min
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loan+against+property Loan Against Property
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Understanding the Fees and Charges on Your Loan Against Property2024-04-10 | 6 min
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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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cibil Cibil
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Ways to Improve Your Credit Score with a Credit Card2024-02-02 | 4 min
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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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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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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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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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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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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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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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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 are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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