\r\n| \r\n Employment Type<\/strong><\/p>\r\n<\/td>\r\n| \r\n Home Loan Criteria for Salaried<\/strong><\/p>\r\n<\/td>\r\n| \r\n Home Loan Criteria for Self-Employed<\/strong><\/p>\r\n<\/td>\r\n<\/tr>\r\n\r\n| \r\n Applicant\u2019s Age<\/p>\r\n<\/td>\r\n | \r\n 21 – 65 Years<\/p>\r\n<\/td>\r\n | \r\n 21 – 65 Years<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Minimum Salary<\/p>\r\n<\/td>\r\n | \r\n Rs 1.2 Lac per annum<\/p>\r\n<\/td>\r\n | \r\n Rs 2 Lac per annum<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Loan Amount Offered<\/p>\r\n<\/td>\r\n | \r\n 75 to 90% of the total property cost.<\/p>\r\n<\/td>\r\n | \r\n 75 to 90% of the total property cost.<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Loan Tenure<\/p>\r\n<\/td>\r\n | \r\n Up to 30 Years<\/p>\r\n<\/td>\r\n | \r\n Up to 30 Years<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Nationality<\/p>\r\n<\/td>\r\n | \r\n Indian Residents\/NRI<\/p>\r\n<\/td>\r\n | \r\n Indian Residents\/NRI<\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n \u00a0<\/h3>\r\nSBI Home Loan Eligibility<\/strong><\/h3>\r\n\r\n <\/colgroup>\r\n\r\n\r\n| \r\n Employment Type<\/strong><\/p>\r\n<\/td>\r\n| \r\n Home Loan Criteria for Salaried<\/strong><\/p>\r\n<\/td>\r\n| \r\n Home Loan Criteria for Self-Employed<\/strong><\/p>\r\n<\/td>\r\n<\/tr>\r\n\r\n| \r\n Applicant\u2019s Age<\/p>\r\n<\/td>\r\n | \r\n 18-70 Years<\/p>\r\n<\/td>\r\n | \r\n 18-70 Years<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Minimum Salary<\/p>\r\n<\/td>\r\n | \r\n Rs 1.8 Lac per annum<\/p>\r\n<\/td>\r\n | \r\n Rs 2 Lac per annum<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Loan Amount Offered<\/p>\r\n<\/td>\r\n | \r\n 80% to 90% of the total property cost<\/p>\r\n<\/td>\r\n | \r\n 80% to 90% of the total property cost<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Loan Tenure<\/p>\r\n<\/td>\r\n | \r\n Up to 30 Years<\/p>\r\n<\/td>\r\n | \r\n Up to 30 Years<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Nationality<\/p>\r\n<\/td>\r\n | \r\n Indian Residents\/NRI<\/p>\r\n<\/td>\r\n | \r\n Indian Residents\/NRI<\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n \u00a0<\/h3>\r\nPNB Housing Finance Home Loan Eligibility<\/strong><\/h3>\r\n\r\n <\/colgroup>\r\n\r\n\r\n| \r\n Employment Type<\/strong><\/p>\r\n<\/td>\r\n| \r\n Home Loan Criteria for Salaried<\/strong><\/p>\r\n<\/td>\r\n| \r\n Home Loan Criteria for Self-Employed<\/strong><\/p>\r\n<\/td>\r\n<\/tr>\r\n\r\n| \r\n Applicant\u2019s Age<\/p>\r\n<\/td>\r\n | \r\n 21 – 70 Years<\/p>\r\n<\/td>\r\n | \r\n 21 – 70 Years<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Minimum Salary<\/p>\r\n<\/td>\r\n | \r\n Rs 1.8 Lac per annum<\/p>\r\n<\/td>\r\n | \r\n Rs 2 Lac per annum<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Loan Amount Offered<\/p>\r\n<\/td>\r\n | \r\n Up to 90% of the total property cost<\/p>\r\n<\/td>\r\n | \r\n Up to 90% of the total property cost<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Loan Tenure<\/p>\r\n<\/td>\r\n | \r\n Up to 30 Years<\/p>\r\n<\/td>\r\n | \r\n Up to 30 Years<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Nationality<\/p>\r\n<\/td>\r\n | \r\n Indian Residents\/NRI<\/p>\r\n<\/td>\r\n | \r\n Indian Residents<\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n \u00a0<\/h3>\r\nICICI Home Loan Eligibility<\/strong><\/h3>\r\n\r\n <\/colgroup>\r\n\r\n\r\n| \r\n Employment Type<\/strong><\/p>\r\n<\/td>\r\n| \r\n Home Loan Criteria for Salaried<\/strong><\/p>\r\n<\/td>\r\n| \r\n Home Loan Criteria for Self-Employed<\/strong><\/p>\r\n<\/td>\r\n<\/tr>\r\n\r\n| \r\n Applicant\u2019s Age<\/p>\r\n<\/td>\r\n | \r\n 23 – 60 Years<\/p>\r\n<\/td>\r\n | \r\n 28 – 70 Years<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Minimum Salary<\/p>\r\n<\/td>\r\n | \r\n Rs 1.44 Lac per annum<\/p>\r\n<\/td>\r\n | \r\n Rs 1.5 Lac per annum<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Loan Amount Offered<\/p>\r\n<\/td>\r\n | \r\n Up to 80% of the total property cost<\/p>\r\n<\/td>\r\n | \r\n Up to 80% of the total property cost<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Loan Tenure<\/p>\r\n<\/td>\r\n | \r\n Up to 30 Years<\/p>\r\n<\/td>\r\n | \r\n Up to 30 Years<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Nationality<\/p>\r\n<\/td>\r\n | \r\n Indian Residents\/NRI<\/p>\r\n<\/td>\r\n | \r\n Indian Residents<\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n \u00a0<\/h3>\r\nL & T Finance Home Loan Eligibility<\/strong><\/h3>\r\n\r\n <\/colgroup>\r\n\r\n\r\n| \r\n Employment Type<\/strong><\/p>\r\n<\/td>\r\n| \r\n Home Loan Criteria for Salaried<\/strong><\/p>\r\n<\/td>\r\n| \r\n Home Loan Criteria for Self-Employed<\/strong><\/p>\r\n<\/td>\r\n<\/tr>\r\n\r\n| \r\n Applicant\u2019s Age<\/p>\r\n<\/td>\r\n | \r\n 23 – 62 Years<\/p>\r\n<\/td>\r\n | \r\n 23 – 62 Years<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Minimum Salary<\/p>\r\n<\/td>\r\n | \r\n Rs 3 Lacs per annum<\/p>\r\n<\/td>\r\n | \r\n Rs 3 Lacs per annum<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Loan Amount Offered<\/p>\r\n<\/td>\r\n | \r\n Up to 7.5 Cr<\/p>\r\n<\/td>\r\n | \r\n Up to 7.5 Cr<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Loan Tenure<\/p>\r\n<\/td>\r\n | \r\n Up to 20 Years<\/p>\r\n<\/td>\r\n | \r\n Up to 25 Years<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Nationality<\/p>\r\n<\/td>\r\n | \r\n Indian Residents<\/p>\r\n<\/td>\r\n | \r\n Indian Residents<\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n \u00a0<\/h3>\r\nAXIS Bank Home Loan Eligibility<\/strong><\/h3>\r\n\r\n <\/colgroup>\r\n\r\n\r\n| \r\n Employment Type<\/strong><\/p>\r\n<\/td>\r\n| \r\n Home Loan Criteria for Salaried<\/strong><\/p>\r\n<\/td>\r\n| \r\n Home Loan Criteria for Self-Employed<\/strong><\/p>\r\n<\/td>\r\n<\/tr>\r\n\r\n| \r\n Applicant\u2019s Age<\/p>\r\n<\/td>\r\n | \r\n 21 – 60 Years<\/p>\r\n<\/td>\r\n | \r\n 21 – 65 Years<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Minimum Salary<\/p>\r\n<\/td>\r\n | \r\n Rs 1.2 Lac per annum<\/p>\r\n<\/td>\r\n | \r\n Rs 2 Lac per annum<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Loan Amount Offered<\/p>\r\n<\/td>\r\n | \r\n Up to 5 Crore<\/p>\r\n<\/td>\r\n | \r\n Up to 5 Crore<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Loan Tenure<\/p>\r\n<\/td>\r\n | \r\n Up to 30 Years<\/p>\r\n<\/td>\r\n | \r\n Up to 30 Years<\/p>\r\n<\/td>\r\n<\/tr>\r\n | \r\n| \r\n Nationality<\/p>\r\n<\/td>\r\n | \r\n Indian Residents\/NRI<\/p>\r\n<\/td>\r\n | \r\n Indian Residents<\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n **The home loan criteria are subject to change at the discretion of the bank. Check the bank’s official website for the latest information.<\/p>\r\n Home Loan Eligibility Formula\u00a0<\/span><\/strong><\/h2>\r\nFor calculating your eligibility, home loan lenders compute some ratios.<\/p>\r\n Debt-to-income (DTI) ratio<\/strong><\/h3>\r\nThis ratio is calculated by dividing your monthly debt payments by your monthly income. A higher DTI indicates that you may have difficulty maintaining loan payments, putting you at a higher risk of default. Generally, lenders expect a DTI of 36% or less.<\/p>\r\n Down Payment<\/strong><\/h3>\r\nAn adequate down payment reduces the loan size and indicates the borrower\u2019s commitment to the loan and ability to save money. The amount of the down payment helps calculate the loan-to-value (LTV) ratio. Lenders typically limit the LTV ratio to 80%. This means that you will need to make a down payment of at least 20% of the purchase price. However, some banks or NBFCs might offer loans with a lower down payment, such as 10%.<\/p>\r\n FAQs Home Loan Eligibility Criteria of Top Banks<\/strong><\/h2>\r\n\r\n\r\n How much home loan can I get?<\/strong>\r\nThe amount of home loan you can get depends on your credit score, income, and other factors that an individual lender considers. You can get more information by talking to home loan advisors or visiting the lender\u2019s websites.<\/p>\r\n<\/div>\r\n What do I need to be eligible for a home loan?<\/strong>\r\nTo be eligible for a home loan, you need to have a good credit score, a steady income, and the needed down payment. You may also need to meet additional requirements set by the lender.<\/p>\r\n<\/div>\r\n Do I need to have a co-signer to get a home loan?<\/strong>\r\nYou may not need a co-signer to get a home loan, but it can help you get better rates if you do have one.<\/p>\r\n<\/div>\r\n What is the minimum credit score requirement for a home loan?<\/strong>\r\nGenerally, a credit score of 650 or higher is considered good and may make someone eligible for a home loan. However, lenders may also consider other factors, such as income and debt-to-income ratio.<\/p>\r\n<\/div>\r\n Is it possible to get a home loan with bad credit history?<\/strong>\r\nYes, it is possible to get a home loan with a bad credit score. However, you may have to pay a higher interest rate and\/or have other qualification criteria met. In addition, it is critical to find lenders who specialise in home loans for people with bad credit.<\/p>\r\n<\/div>\r\n What type of income is accepted for a home loan?<\/strong>\r\nLenders usually accept income from a job, business, or investments.<\/p>\r\n<\/div>\r\n What is the maximum loan-to-value ratio allowed for home loans?<\/strong>\r\nMost lenders offer loans up to 80-90% of the home value.<\/p>\r\n<\/div>\r\n What documents do I need to apply for a home loan?<\/strong>\r\nDifferent lenders may ask for different documents, but some of the common ones include proof of income, proof of address, credit history, and bank account statement.<\/p>\r\n<\/div>\r\n How long does the processing of a home loan take?<\/strong>\r\nIt depends on the borrower and lender. Considering everything is in place, it may take 3 days to 3 weeks.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":" The dream of owning a home is one that many people share. It’s a symbol of stability, security, and comfort. But for many, the dream of homeownership can seem out of reach. One of the biggest hurdles to buying a home is getting approved for a home loan. Lenders have strict home loan eligibility criteria […]<\/p>\n","protected":false},"author":1,"featured_media":1701,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[359],"yoast_head":"\n Home Loan Eligibility Criteria of Top Banks 2025<\/title>\n<meta name=\"description\" content=\"Gain an understanding of the home loan eligibility criteria of top banks. 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