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Home → Eligibility Checkers → Home Loan Eligibility Checker

Home Loan Eligibility Checker

Check if you are eligible for a home loan. Enter your income, age and obligations to get an instant eligibility estimate. — free, instant, no login required

📋 Tell us about yourself
₹60,000
₹0
₹50L
✅ Eligible if you have
  • CIBIL score 700+
  • Stable income 2+ years
  • Age 21–60 years
  • FOIR below 50%
  • Clear property title
🏦 Max loan amount
  • Up to 75–90% of property value
  • Max EMI = 40–50% of income
  • Tenure up to 30 years
  • Up to ₹5 crore (most banks)
📄 Documents needed
  • Aadhaar & PAN card
  • 3 months salary slips
  • 6 months bank statement
  • Property documents

Home loan eligibility — key factors

Income & FOIR: Banks allow max 40–50% of net income for all EMIs combined. Higher income = higher loan amount.
CIBIL score: 750+ gets best rates. 650–750 gets approval with slightly higher rates. Below 650 may face rejection.
Age: Younger applicants get longer tenure. Max age at loan end is usually 70. Joint applications with spouse can extend tenure.
Property type: Ready-to-move properties get higher LTV (90%) vs under-construction (80%). Approved builders preferred.
Employment stability: Salaried employees need 2+ years experience. Self-employed need 3+ years business vintage with ITR proof.

Other eligibility checkers

Personal Loan Eligibility Checker
Check if you qualify for a personal loan
Business Loan Eligibility Checker
Check if your business qualifies for a loan
FOIR Calculator
Calculate your Fixed Obligation to Income Ratio
LTV Ratio Calculator
Calculate Loan to Value ratio for your property
Auto Loan Eligibility Checker
Check if you qualify for a car or vehicle loan
Professional Loan Eligibility Checker
Check loan eligibility for doctors, CAs and other professionals
Gold Loan Eligibility Checker
Check your gold loan eligibility and estimated amount
Top-up Loan Eligibility Checker
Check if you qualify for a top-up on your existing loan
🧮 All calculators → 📋 Apply for a loan →

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