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Monthly Net Income
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Interest Rate (% p.a.)
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Loan Tenure
1 Yrs
Other Monthly EMIs
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Home Loan Eligibility
We make it simple. Here’s everything you need to qualify for a home loan through NestFinance.
Home Loan Documents Required
| Identity Proof (any one) | Residence Proof (any one) | Other Documents |
|---|---|---|
| Driving License | Copy of Electricity Bill / Water Bill / Telephone Bill | Employer Identity Card |
| PAN Card | Copy of valid Passport / Aadhaar Card / Driving License | Duly filled loan application form affixed with 3 passport size photographs |
| Voter ID | - | Loan account statement for the previous 12 months if the applicant has any other ongoing loan from other banks/financial institutions |
| Valid Passport | - | Bank account statements for all the bank accounts owned by the applicant for the last six months |
Income Proof Documents
| For Self-employed Applicant/Co-applicant: | For Salaried Applicant/Co-applicant: |
|---|---|
| Income Tax Returns for the last 3 years | Salary Slips for the last three months |
| Certificate of Qualification (for Doctors/CA and other professionals) | Copy of Form 16 or Income Tax Returns for the last two years |
| Balance Sheet audited by a certified CA and Profit and Loss account for the previous 3 years | - |
| Business License Details | - |
| Business address proof | - |
| TDS Certificate | - |
Home Loan Eligibility
| Eligibility Criteria | Requirement |
|---|---|
| Age | Minimum Age: 18 years and Maximum Age: 70 years |
| Resident Type |
The applicant must be (any one):
|
| Employment |
The applicant can be (any one):
|
| Net Annual Income | At least Rs.5-6 lakh depending on the type of employment |
| Residence |
The applicant must have (any one):
|
| Credit score | A good credit score of at least 750 or more obtained from a recognised credit bureau |
Frequently Asked Questions
You can easily assess your eligibility by using a home loan eligibility calculator. Simply enter details like your monthly income, ongoing EMIs, and other liabilities to get an estimate of the loan amount you may qualify for across different banks and financial institutions.
A home loan cannot be transferred independently. It can only be shifted to another person if the ownership of the property is legally transferred as well. In exceptional situations—such as inheritance or specific legal circumstances—banks may allow such transfers, subject to approval.
In most cases, yes. Lenders generally insist on property insurance before sanctioning a home loan. This ensures the property—kept as collateral—is protected against risks like fire, natural disasters, or other unforeseen damages.
A top-up loan is an additional amount you can borrow over your existing home loan. It usually involves minimal documentation and is offered to borrowers with a good repayment track record and strong credit profile.
Yes, loan restructuring is possible under special circumstances such as job loss, medical emergencies, or regulatory relief schemes. You’ll need to submit valid supporting documents for the request. In some cases, banks may also offer restructuring if there’s an outstanding balance at the end of the loan tenure.
The loan amount depends on your income, repayment capacity, age, credit score, and existing liabilities. Most banks finance 75%–90% of the property value, depending on the ticket size.
Most banks prefer a credit score of 700 or above. A higher score improves your chances of approval and helps you secure a lower interest rate.
Typically, buyers must arrange 10%–25% of the property value as a down payment. The remaining amount is financed through the loan.
Home loans generally come with:
- Fixed Interest Rate – EMI remains constant for a fixed period.
- Floating Interest Rate – EMI fluctuates based on market conditions.
Your choice depends on risk appetite and market outlook.
Common documents include:
- PAN & Aadhaar
- Income proof (Salary slips / ITR)
- Bank statements (6 months)
- Property documents
- Employment or business proof
Requirements may vary by lender.
Pre-approval can take 24–72 hours, while final sanction may take 5–10 working days, depending on documentation and property verification.
Most floating-rate home loans have zero prepayment charges for individual borrowers. However, fixed-rate loans may have penalties—check with your lender.
Yes. Banks finance under-construction properties from approved developers. The loan is usually disbursed in stages based on construction progress.
EMI (Equated Monthly Installment) is the fixed monthly amount you pay towards loan repayment. It depends on loan amount, tenure, and interest rate.
Yes. Adding a spouse, parent, or earning family member as a co-applicant can increase eligibility and improve approval chances.
