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Home Loans

  • Q.1. How will bank decide my home loan eligibility?

    • Loan eligibility is based on your monthly disposable / surplus income.
  • Q.2. What is the minimum & maximum age to apply for a Home Loan?

    • Minimum age of the borrower should be 23 years
    • Maximum age at loan maturity to be 65 years or retirement age, whichever is earlier.
  • Q.3. What is an EMI?

    • Equated Monthly Instalments (EMIs) comprising both principal and interest.
  • Q.4. What would be the loan tenure?

    • Loan tenure can be up to 20 years, depending on current age, and profile of the borrower.
  • Q.5. Does the property have to be insured?

    • Yes, the property has to be insured against Fire and Allied perils for the entire tenure of the loan.