Home Loan Eligibility Criteria

There are 4 types of basic eligibility factors which are required for home loan. The points are further defined:

1. Current age & loan repayment tenure – The younger you are the longer and the better the chances are to get a home loan. Younger people can get a longer period of loan repayment time compared to older people.

2. Financial Profile – Every person has a financial profile which reveals some major information such as income stability, quantum of income, growth rate of income, etc. All the information helps the bank identify to set a limit for the loan amount for the loan seeker.

3. Credit Score (CIBIL Score) – Just like a financial profile, there is a ‘CIBIL Score’ which is a credit score about a person. This score reveals that a person has a clear payment history and does not have any default payments under any debts in their transaction history. CIBIL stands for Credit Information Bureau India Limited.

4. Financial Obligations – The bank also evaluates the previous debt history of the person. If a person has any other financial obligations such as previous outstanding loans, the person is likely to have a sanctioned loan of lesser amount. If the person has a clean record, then they are eligible for higher amount of loan sanction without any hassle.





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“Great read! Understanding the home loan eligibility criteria is fundamental for anyone looking to make their dream of homeownership a reality. It’s a crucial first step in the home-buying journey. Thanks for breaking it down in such a clear and concise way!”

Stephanie Sally

Stephanie Sally

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