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Eligibility For Property Loan

For Salaried Individuals

Salaried Individuals include Salaried Doctors, CAs, employees of select Public and Private limited companies, Government Sector employees including public sector undertakings and central, state and local bodies:

Eligibility Criteria

  • Minimum age of Applicant: 21 years
  • Maximum age of Applicant at loan maturity: 60 years
  • Minimum employment: Minimum 2 years in employment and minimum 1 year in the current organization
  • Minimum Net Monthly Income: Rs. 10,000 per month (Rs. 15,000 in Mumbai, Delhi, Bangalore, Chennai and Hyderabad & Rs. 12,000 in Calcutta, Ahmedabad and Cochin)

For Self Employed (Professionals)

Self Employed (Professionals) include self - employed Doctors, Chartered Accountants, Engineers, MBA Consultants, Architects, Company Secretaries.

Eligibility Criteria

  • Minimum age of Applicant: 25 years
  • Maximum age of Applicant at loan maturity: 65 years
  • Years in business: 4 to 7 years depending on profession
  • Minimum Annual Income: Rs. 100000 p.a.

For Self Employed (Individuals)

Self Employed (Individuals) include self-employed - Sole proprietors, Partners & Directors in the Business of Manufacturing, Trading or Services.

Eligibility Criteria

  • Minimum age of Applicant: 21 years
  • Maximum age of Applicant at loan maturity: 65 years
  • Years in business: 5 yrs continuous business experience
  • Minimum Annual Income: Rs. 1,00,000 p.a.
  • Available in select cities

For Self Employed (Pvt or Partnership Firms)

Self Employed (Pvt or Partnership Firms) include Private Companies and Partnership firms in the Business of Manufacturing, Trading or Services

Eligibility Criteria

  • Years in business: Minimum of 3 years in current business and 5 years total business experience
  • Business must be profit making for the last 2 years
  • Minimum Annual Income: Rs 100000 p.a.
  • Available in select cities
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