- Low interest rates starting from 6.80% p.a.
- Maximum loan tenure of 30 years
- Processing fee of 0.40% of the loan amount
- No hidden charges
- Women borrowers get interest concession
- Low interest rates starting from 6.80% p.a. (special offer)
- Flexible loan tenure of up to 30 years
- Processing fee of up to 0.50% of the loan amount
- Special arrangement for Indian army employees through partnership with AGIF
- Legal and technical counseling from experts
- Low interest rates starting from 6.80% p.a. (special offer)
- Flexible loan tenure of up to 30 years
- Processing fee of up to 0.50% of the loan amount
- Special arrangement for Indian army employees through partnership with AGIF
- Legal and technical counseling from experts
- Low interest rates starting from 6.80% p.a. (special offer)
- Flexible loan tenure of up to 30 years
- Processing fee of up to 0.50% of the loan amount
- Special arrangement for Indian army employees through partnership with AGIF
- Legal and technical counseling from experts
- Low interest rates starting from 6.80% p.a. (special offer)
- Flexible loan tenure of up to 30 years
- Processing fee of up to 0.50% of the loan amount
- Special arrangement for Indian army employees through partnership with AGIF
- Legal and technical counseling from experts
Factors affecting your Eligibility for a Home Loan
Monthly Income
The higher your income, the higher the loan amount eligibility and greater your chances of acquiring your dream home.
Age
Starting early has its benefits. Applying at age 30-35 years makes you eligible for a higher loan amount, as compared to applying when you are 40-50 years old.
Property Value
Quality adds to credibility. Choosing a good property in an approved society, colony or area is viewed more favourably by banks.
Credit History
Your Credit History can open or close the gate to your dream home. Always maintain a good CIBIL score.
Employment Status
As a Salaried person, you must have a minimum of 3 years work experience, to become eligible for a home loan.
Professional/Business Status
As a self-employed professional or a businessman, you must submit your professional details, business status record and bank statements as proof of your financial stability.
Relationship with Lender
A good understanding with the bank can go a long way in negotiating a good loan amount at lower rates.
Your Employer Category
Working at a well-regarded company not only adds to your reputation, but also your loan eligibility. A Fortune 500 Company on your visiting card really helps!