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30 Years Of Tenure
Home Loan Eligibility
The basic home loan eligibility criteria are as follows: -
a) Age
- You must be above 21 years of age at the time of the commencing of your loan, and up to 65 years or less at loan maturity
- Salaried Person - 21 years to 58 years
- Self-Employed Person - 25 years to 65 years
b) Income
- Salaried Person - Minimum Rs. 10,000 per month
- Self-Employed Person - Minimum Rs. 2,00,000 per year
c) Employment
- Salaried Person - Minimum 2 to 3 years of Experience in MNC, or a Private or Public Limited Company
- Self-Employed Person - Minimum 3 years of Experience in the current field
d) Credit Score
- A credit score of 750 is considered a good score for approval
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Documentation For Home Loan
1.
Salaried Individuals
- Form 16
- Employee Identity Card
- 6 Months Salary Slip
- 6 Month Bank Account Statement
- Duration of Employment Evidence
2.
Self Employed Individuals
- PAN
- Trade License
- Partnership Deed
- Article of Association
- Memorandum of Association
- Import Export Code
- SEBI Registration Certificate
- RCMC Registration Certificate
- Financial Statement Audited by CA
- Profit & Loss Account Statement
- Balance Sheet
- 6 Months Bank Account Statement
- Professional Practice License
- Registration Certificate of Establishment
- Business Address Proof
3.
Non-Resident Indians (NRIs)
- Income Proof Documents for NRI
- Property Papers / Documents
- Sale Deed
- Stamped Agreement of Sale
- Allotment Letter
- No Objection Certificate (NOC)
- Housing Society / Builder
- Possession Certificate
- Land Tax Receipt
- Construction Cost Estimate
- Bank Account Statement
- Payment Receipt
- Share Certificate (Resale)
- Occupancy Certificate