Home Loan Eligibility

Home Loan Eligibility Calculator

Find out how much home loan you're eligible for based on your income, credit score, and profile. Check eligibility in seconds — no documents needed.

Factors Affecting Home Loan Eligibility

Higher income = higher loan eligibility. Most banks allow EMI up to 40–50% of net monthly income.

A CIBIL score of 750+ gets the best rates. Score below 650 may reduce or reject eligibility.

Younger applicants get longer repayment tenure (up to 30 years), increasing loan eligibility.

Salaried employees typically get better rates. Self-employed need 3 years of stable business income.

Age: 21 to 65 years (at loan maturity)

Minimum Income: ₹25,000/month for salaried, ₹3 lakh/year for self-employed

Credit Score: Minimum 650, best rates above 750

Work Experience: Minimum 2 years for salaried, 3 years for self-employed

Loan Amount: ₹2 lakh to ₹10 crore based on income and property

Loan Tenure: Up to 30 years