Financing Your Home
Home Loan Guide Eligibility, EMI & documents
Compare lenders beyond just the interest rate. Understand eligibility, required documents, and how to structure your loan smartly.
Pre-approval tips
Compare total cost
Document checklist
Before you apply
- Check your credit score and clear small dues if possible.
- Plan your down payment and keep extra funds for registration & interiors.
- Prefer a pre-approval / sanction to negotiate confidently.
Eligibility factors (what lenders look at)
- Income stability, existing EMIs, and employer/business profile.
- Age and remaining earning years (loan tenure fit).
- Property type, builder profile, and legal/technical clearance.
Fixed vs floating interest
- Fixed can help predict EMIs early on; floating can benefit when rates fall.
- Compare the spread, reset frequency, and switching terms.
Documents you’ll usually need
- KYC: PAN, Aadhaar, address proof, photos.
- Income: salary slips / ITRs, bank statements, Form 16 (as applicable).
- Property: allotment/booking, agreement draft, approvals, and builder papers.
Compare lenders using the total cost
- Processing fee, legal/technical charges, and insurance add-ons.
- Part-prepayment rules, foreclosure charges, and conversion fees.
Useful tools
Next reads
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