You can avail loans for purchasing a house if you are:

  • An employee of local and stable business entity like Petrol Pump, Restaurant, Jewellery shops, Garments shop etc. The employer’s business can be a proprietorship/partnership/private limited/limited company/trust etc.
  • Self-employed customer who do not have formal income proof. However, you need to have sufficient income to service monthly EMIs. In all these cases, customers to have independent business set up
  • An individual who is earning a fixed minimum income of INR 15,000 per month. This is valid for combined income also in case there is a co-applicant.

Your age at the time of loan maturity should not be more than 70 years.

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