Home Loan Ke Liye Kya-Kya Eligibility Honi Chahiye?

Agar aap home loan lena chahte hain, toh aapko kuch important eligibility criteria ko fulfill karna hoga. Yahaan kuch important points diye gaye hain:

Age Criteria

✔️Applicant ki age usually 21-65 years ke beech honi chahiye.

✔️Retirement se pehle loan repayment complete hona chahiye.

Income Source

✔️ Salaried Employee: Minimum fixed salary honi chahiye.

✔️ Self-Employed: Stable business aur consistent income proof hona chahiye.

Employment Stability

✔️ Salaried logon ke liye minimum 2-3 saal ka work experience jaroori hota hai.

✔️Self-employed logon ke liye 3+ saal ka business track record hona chahiye.

Credit Score (CIBIL Score)

✔️ Achha credit score (750+) home loan approval ke chances badhata hai.

✔️ Poor credit history hone par loan reject ho sakta hai ya high interest rate lag sakta hai.

Loan Repayment Capacity💰

✔️ Monthly EMI aapki income ka 40-50% se zyada nahi honi chahiye.

✔️ Bank aapki existing loans aur liabilities bhi check karegi.

Property Related Factors

✔️Property legally approved honi chahiye.

✔️ Builder ya seller ki ownership clear honi chahiye.

Down Payment Capability

✔️Bank usually loan amount ka 75-90% tak finance karti hai.

✔️Baaki ka 10-25% amount aapko apni pocket se dena hoga.

Agar aap in sab points ko fulfill karte hain, toh aapka home loan approve hone ke chances kaafi zyada hain! 🏡💰