Home loan eligibility and today’s rates
Your home loan eligibility depends on income, existing EMIs, age and the property cost. RBI caps the loan at 75–90% of property value depending on loan size.
Check your own eligibility in 2 minutesFree · no credit-score enquiry · lender-wise amount, rate and EMI
Check nowStarting rates today
| Lender | Type | Rate range | Up to | Min score |
|---|---|---|---|---|
| Bank of Baroda Baroda Home Loan | Public Sector Bank | 7.65% – 9.10% | ₹10 Cr | 650 |
| Punjab National Bank PNB Home Loan | Public Sector Bank | 7.70% – 9.20% | ₹10 Cr | 650 |
| State Bank of India Home Loan | Public Sector Bank | 7.75% – 9.25% | ₹10 Cr | 650 |
| Union Bank of India Union Home Loan | Public Sector Bank | 7.75% – 9.25% | ₹10 Cr | 650 |
| HDFC Bank Home Loan | Private Bank | 7.90% – 9.50% | ₹10 Cr | 700 |
| Kotak Mahindra Bank Home Loan | Private Bank | 8.00% – 9.50% | ₹10 Cr | 720 |
| LIC Housing Finance Home Loan | Housing Finance Co. | 8.00% – 10.00% | ₹15 Cr | 650 |
| ICICI Bank Home Loan | Private Bank | 8.10% – 9.90% | ₹10 Cr | 700 |
| Bajaj Housing Finance Home Loan | Housing Finance Co. | 8.15% – 11.00% | ₹15 Cr | 700 |
| Axis Bank Home Loan | Private Bank | 8.25% – 10.00% | ₹10 Cr | 700 |
As on 26 Oct 2026, RBI repo rate 5.50%. Indicative ranges; your rate depends on your profile.
See today’s rates from every lender →
Who is eligible
- Salaried or self-employed with regular income
- Age at loan maturity up to 60–70 years depending on lender
- Credit score of 700+ gets the best rates
How much you can get
- Up to 90% of property cost for loans up to ₹30 lakh, 80% up to ₹75 lakh, 75% above
- EMIs including existing loans up to 50–60% of net income
- Tenure up to 30 years
Documents
- KYC, salary slips / ITR, bank statements
- Agreement to sell, approved plan, title chain
Tips from our credit panel
- Keep 10–25% of the cost plus about 7% for stamp duty and registration ready
- A woman as first owner gets a small rate concession at many banks
- Part-prepay freely – no prepayment charges on floating-rate home loans
Common questions
How much home loan can I get on ₹1 lakh salary?
With no other EMIs, roughly ₹65–75 lakh over 20–25 years at current rates, subject to the property cost and lender norms. Use the free check for an exact figure.
Is PMAY subsidy available?
Under PMAY-Urban 2.0, eligible first-time buyers in the EWS, LIG and MIG groups can get an interest subsidy through the lender.