Home Loan Eligibility

Home loan eligibility differs across lending institutions and loan schemes. However, a common set of housing loan eligibility criteria is given below:

Nationality: Indian Residents, Non-Resident Indians (NRIs), and Persons of Indian Origin (PIOs)

Credit Score: Preferably 750 and above

Age Limit: 18 - 70 years

Work Experience: At least 2 years (for salaried)

Business Continuity: At least 3 years (for self-employed)

Minimum Salary: At least Rs. 25,000 per month (varies across lenders & locations)

Loan amount: Up to 90% of property value

Home Loan



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