Apna sapno ka ghar kharidna har kisi ka dream hota hai, lekin ghar ya property lene ke liye bade fund ki zaroorat hoti hai. Agar aapke paas full amount nahi hai, to aap bank ya NBFC se Home Purchase Loan le sakte hain
Home Purchase Loan ek financial support hai, jo aapko bank ya finance company se milta hai, jisse aap apna dream house purchase kar sakte hain. Iss loan me aapko EMI ke through repayment karna hota hai aur alag-alag banks ki interest rates alag hoti hain.
Aage hum jaanenge ki Home Purchase Loan lene ke liye kya eligibility hoti hai, kaun-kaun se documents chahiye aur best banks kaun se hain.
Home Purchase Loan Ki Eligibility Kya Hai?
Home loan lene ke liye kai factors decide karte hain ki aapki eligibility kya hogi. Yeh eligibility aapki salary, employment type, loan tenure, aur property value par depend karti hai.
Agar aap ek ghar ya property kharidna chahte hain, to sabse pehle apni eligibility check karna zaroori hai.
Home Loan Eligibility Factors
Aapka home loan approve hone ke liye ye factors matter karte hain:
✅ Property Value: Aap kitne lakh ka ghar lena chahte hain
✅ Income Source: Aap salaried hain ya self-employed
✅ Loan Tenure: Aap kitne saal tak loan repay karenge
✅ CIBIL Score: 700+ hona chahiye taaki loan approval easy ho
✅ Co-Applicant: Agar ghar me aur bhi kamane wale hain, to eligibility badh sakti hai
Home Loan Eligibility Calculation Example salaried Person ke liye
Example:
Aap ₹20 lakh ka home loan lena chahte Hain minimum Salary: ₹25,000 per Month
loan Tenure: 20-25 Years
other Factors:
Stable job aur CIBIL score 700+ hona chahiye
Self-Employed Person ke liye:
Minimum ITR Requirement: 3-5 saal ka Income Tax Return (ITR)
Annual Income: ₹4 lakh+ hona Chahiye
loan Tenure: 20-25 years
Co-Applicant Add Karke Eligibility Kaise Badhaye?
Agar aapke ghar me aur bhi kamane wale hain, to unki income proof add karke tenure 10 saal tak kam kar sakte hain
Documents Required for Home Purchase Loan 2025
Agar aap home purchase loan lena chahte hain, to bank ya NBFC aapke financial status aur property details ko verify karta hai. Iske liye aapko kuch mandatory documents submit karne hote hain.
Agar aap documents time par arrange kar lenge, to loan approval fast ho jayega aur koi mis understanding nahi hogi.
Property-Related Documents
Agar aap home purchase loan le rahe hain, to seller se ek agreement karna zaroori hota hai. Isme yeh details honi chahiye:
✔️ Aap kitna payment dene wale hain
✔️ Aap kitne lakh ka loan lenge
✔️ Aap kitne time period me full payment karenge
Bank/Loan Provider ko agreement ki ek copy dena zaroori hai. Iske bina loan process me dikkat ho sakti hai.
Identity Proof (ID Proof)
Aadhaar Card
PAN Card
Passport / Voter ID
Salaried Person ke liye:
✔️ Last 3-6 months ki salary slips
✔️ Last 6 months ka bank statement
✔️ Form 16 aur ITR (Income Tax Return) 2 years ka
Self-Employed ke liye:
✔️ Last 3-5 years ka ITR
✔️ Business Registration Proof (GST, Udyam, etc.)
✔️ Last 1 year ka bank statementProperty Documents
✔️ Sale Agreement (Jo aap seller se banwayenge)
✔️ NOC (No Objection Certificate)
✔️ Property Tax Receipt
Bank Kitna Loan Deta Hai? Down Payment Kitni Hoti Hai?
Agar aap home purchase loan lena chahte hain, to bank ya NBFC aapko property value ka 75-85% tak loan approve karta hai. Baki ka 15-25% aapko seller ko khud dena hota hai, jise down payment kaha jata hai.
Home Loan Funding Calculation Example
Maan lo aap ₹20 lakh ka home purchase kar rahe hain:
✅ Bank Loan (85%) = ₹17 lakh
✅ Aapka Down Payment (15%) = ₹3 lakh
Matlab bank pura 100% loan nahi karega, balki aapko thoda amount khud arrange karna padega
Down Payment Percentage Depend Karta Hai
✔️ Bank/NBFC Policy (Har bank ki funding limit alag hoti hai)
✔️ Applicant Ki Eligibility (Aapki salary aur CIBIL score ke basis par)
✔️ Property Type (New property, resale flat ya plot funding alag hoti hai)
Home Purchase Loan – Property Verification Kaise Karein?
Agar aap home purchase loan le rahe hain, to property ka legal verification sabse zaroori step hai. Aapko ensure karna hoga ki jo ghar ya flat aap kharid rahe hain, us par koi legal dispute ya loan burden na ho.
Agar aap bina proper verification ke property le lete hain, to aapke saath fraud ho sakta hai.
Property Verification Ke Liye Important Steps
1. Property Ka Chain Record (13-30 Years) Check Karein
✔️ Property Ka 13-30 Saal Ka Channel Record Dekhna Zaroori Hai
✔️ Pata karein ki property pehle kiske naam thi, aur kab kab transfer hui
✔️ Encumbrance Certificate (EC) lekar confirm karein ki property pe koi purana loan ya dispute nahi hai
2. Property Pe Koi Legal Case To Nahi Chal Raha?
✔️ Property ya land pe koi court case ya kabja dispute to nahi hai?
✔️ Mutation Certificate aur Sale Deed Check Karein taaki pata chale ki property legal hai
✔️ Gram Panchayat ya Nagar Nigam se confirmation lein (Agar land ya independent house ho to)
✅ 3. Property Girvi (Mortgage) To Nahi Hai?
✔️ Seller ne kisi money lender ya bank se loan le kar property girvi to nahi rakhi?
✔️ No Dues Certificate (NDC) lein, taaki pata chale ki koi outstanding loan nahi hai
✔️ Legal Expert Ya Bank Employee Se Verification Karwayen
Fraud Se Kaise Bachen?
🔹 Kabhi bhi bina proper verification ke advance payment na karein
🔹 Legal expert ya trusted bank employee se property papers verify karwayen
🔹 Agar property pehle se kisi ke naam girvi rakhi hai, to uski No Objection Certificate (NOC) lein
🔹 Property registry ke time seller se ek affidavit lein ki ye dispute-free property hai
Conclusion
Agar aap home purchase loan lena chahte hain, to sirf loan approval lena kaafi nahi hai. Property verification, eligibility check aur financial planning bhi equally important hai.