📌 Eligibility Criteria

Basic requirements for home loan approval:

• Age: 21 – 65 years
• Salaried or self-employed applicants
• Minimum monthly income: ₹18,000+ (varies by city)
• CIBIL score above 700+ preferred
• Stable employment or business history
• Property should fall under approved builder list / legal compliance

📁 Required Documents

• Aadhaar + PAN Card
• Salary slips (last 3 months) – salaried
• ITR + financials – self-employed
• Bank statement (6 months)
• Property papers (Agreement, NOC, Index II)
• Builder demand letter / construction plan

💰 Interest Rate & Loan Details

Rates and charges may vary based on profile:

• Loan Amount: ₹5 lakh – ₹5 crore+
• Interest Rate: 8.35% – 10.50%*
• Tenure: 10 – 30 years
• Processing Fee: 0.5% – 1.5%
• Eligibility based on income-to-EMI ratio

⚙️ How the Process Works

• Submit personal & income details
• Upload KYC + property documents
• Loan eligibility calculation
• Sanction letter issued
• Disbursement as per property stage