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Home loan guide

If you are confused as to how much and what type of loan you need, here is our complete guide.

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Taking the decision to buy a home is difficult and equally difficult is how to take a loan. Also, like any other financial product, it is important to be acquainted with how home loans work to avoid any nasty surprises later. Here are some important things you should know before signing on the dotted line. Here are some of the things you need to know to before taking a home loan:

Employment Stability

Unless the applicant is salaried and employed for at least 2 years in the current profession or if the applicant is self-employed with minimum 5 years of total earnings loan will not be processed.

Age Criteria

Most banks offer home loan for salaried employees only if they are between the age group of 20 to 60 years. However for self-employed this will change to 24 to 65 years.

Credit Rating

Good credit rating will increases the chance of getting the loan with more flexibility on loan amount, EMI, tenure and interest rates.

Cibil Score

A CIBIL score represents an individual's financial stability, and helps banks assess there financial credibility.CIBIL is India’s first credit information bureau. CIBIL is a repository of information of your repayment track record on your loans and credit cards.


If the applicant is working with an employer who has high reputation and impressive turnover, the credibility of the applicant will respectively increase.


The standard method banks use to assess your home loan eligibility is the application of FOIR (fixed obligation to income ratio) of a borrower. Many lenders have restricted the FOIR limit to 50% of income.

Balance Transfer

It is a process by which the loan balance is transferred from one lender to another. It is also referred to as refinancing of your loan. It is not an option for borrowers who have been with a bank for less than 2 years.

Tax Benefits

Buying a house through loan comes with several tax benefits. These helps in managing cash flow along with reduction to taxes and help you maximize your savings on your investment.


EMI Calculator

Loan EMI

₹ 24,959

Total Interest Payable

₹ 34,90,279

Total of Payments
(Principal + Interest)

₹ 59,90,279

Created with Highcharts 4.0.4Break-up of Total Payment41.73%58.27%Principal Loan AmountTotal InterestTotal Interest: 58.27%