9999 6636 04
LoanUncle services are free for all our customers

Home Loan Eligibility

Eligibility to get Home Loan

Basic eligibility factors for grant of Home Loan are as follows:

Eligibility Criteria
(Minimum Annual Income)
Banks Salaried Self- Employed
CITIBANK 1,00,000 p.a 85,000 p.a.
ICICI 1,44,000 p.a 1,50,000 p.a
HDFC 1,20,000p.a 1,50,000 p.a
IDBI 1,44,000 p.a. 1,50,000 p.a.
LIC HOUSING FINANCE 1,80,000 p.a. 2,00 ,000 p.a.
SBI 1,20,000 p.a. 2,00,000 p.a
Kotak 1,44,000 p.a 1,44,000 p.a
ING VYSYA 1,20,000 p.a 1,50,000 p.a
DHFL 1,44,000 p.a 1,50,000 p.a
STANDARD CHARTERED 1,80,000 p.a 2,50,000 p.a
Age Criteria (in Years)
Banks Salaried Self- Employed
CITIBANK 23 to 65
ICICI 21 to 65 21 to 65
HDFC 21 to 58 21 to 65
IDBI 21 to 60 21 to 65
LIC HOUSING FINANCE 18 to 60 18 to 60
SBI 21 to 60 21 to 70
ING VYSYA 23 to 58 25 to 65
Kotak 21 to 60 21 to 65
STANDARD CHARTERED 21 to 60 21 to 60
Loan Amount
Banks Salaried Self- Employed
CITIBANK 2,00,000 – 2,00,00000 2,00,000 – 2,00,00000
ICICI 2,00,000 – 1,00,00000 2,00,000 – 2,00,00000
HDFC 2,00,000 – 1,00,00000 2,00,000 – 2,00,00000
IDBI 2,00,000 – 1,00,00000 2,00,000 – 2,00,00000
LIC HOUSING FINANCE 5,00,000 – 1,00,00000 5,00,000 – 2,00,00000
SBI 5,00,000 – 1,00,00000 5,00,000 – 2,00,00000
ING VYSYA 5,00,000 – 3,00,00000 5,00,000 – 3,00,00000
Kotak 2,00,000 – 1,00,00000 2,00,000 – 1,00,00000
STANDARD CHARTERED 5,00,000 – 1,00,00000 5,00,000 – 1,00,00000
Tenure (in Years)
Banks Salaried Self- Employed
CITIBANK 5-25 5-20
ICICI 5-20 5-20
HDFC 5-20 5-20
IDBI 5-20 5-20
LIC HOUSING FINANCE 5-20 5-15
SBI 5-20 5-20
ING VYSYA 5-20 5-20
Kotak 5-25 5-25
DHFL 5-20 5-20
STANDARD CHARTERED 5-20 5-20
Loan to Value Ratio
Banks Salaried Self- Employed
CITIBANK 85% of Agreement value 85% of Agreement value
ICICI 85% of Agreement value 85% of Agreement value
HDFC 85% of Agreement value 85% of Agreement value
IDBI 88% of Agreement value 88% of Agreement value
LIC HOUSING FINANCE 85% of Agreement value 85% of Agreement value
SBI 80% of Agreement value
ING VYSYA 85% of Agreement value
Kotak 85% of Agreement value 85% of Agreement Value
DHFL 85% of Agreement value 85% of Agreement Value
STANDARD CHARTERED 85% of Agreement Value 85% of Agreement Value
Current Experience
Banks Salaried Self- Employed
CITIBANK 2 year 3 year
ICICI 1 year 3 year
HDFC 3 year 3 year
LIC HOUSING FINANCE 2 year 3 year
SBI 2 year 3 year
Kotak 2 year 3 year
ING VYSYA 3 year 3 year
DHFL 2 year
STANDARD CHARTERED 2 year 2 year
Processing Fees
Banks Fees
LIC HFL 1%
ICICI HFC 0.50%
HDFC Rs.10000/- or 0.5% of loan amount(whichever is lesser) + Service Tax
IDBI 10000 (up to 20 lacs)
SBI 0.5%
Kotak Mahindra 0.5%
ING VYSYA 0.5% of Loan amount + Rs.500 + Service Tax(10.30%)
STANDARD CHARTERED 0.25% – 0.5%
Axis bank 0.5%
PNB 0.5%
Dena Bank 0.5%
Fedral Bank 0.5%
Union Bank 0.50%
Prepayment Charges
Banks Fees
CITIBANK Nil
ICICI HFC Nil
HDFC Nil
IDBI If Balance Transfer then 2% Otherwise Nil
LIC HFL Nil
SBI Nil
Kotak Mahindra 2% on Balance transfer else NIL
ING VYSYA Nil
Axis bank Nil
PNB Nil
Dena Bank NA
Fedral Bank NA
Union Bank Nil
STANDARD CHARTERED Nil
Free CREDIT CARD Offer
* Don't loose this Opportunity *
Free CREDIT CARD Offer
* Don't loose this Opportunity *
Free CREDIT CARD Offer
* Don't loose this Opportunity *
ARE YOU READY? GET IT NOW!
Increase more than 500% of Email Subscribers!
Your Information will never be shared with any third party.
Free CREDIT CARDS
  • a
Still Waiting?
Get Credit Card of other Bank for FREE
DON'T WAIT
Get Instant e-Approval on Credit Card
DON'T WAIT
Get Instant e-Approval on Credit Card
DON'T WAIT
Get Instant e-Approval on Credit Card
DON'T WAIT
Get Instant e-Approval on Credit Card