Title: Home Loan Guide 2025 – Eligibility, Documents, Process & Best Tips

🏠 What is a Home Loan?

Home Loan ek long-term loan hota hai jise banks ya NBFCs ghar kharidne, banwane ya renovate karne ke liye provide karte hain. Ye loan aapki property ke against secure hota hai.

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⭐ Home Loan Features

• Low interest rates
• Long repayment tenure (up to 30 years)
• Tax benefits
• Minimum documents
• High loan amount approval

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📝 Eligibility for Home Loan

• Age: 21 to 65 years
• Indian resident
• Stable income (salary/business)
• Clean repayment history
• Minimum CIBIL 650+ (bank to bank vary)

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📄 Documents Required

For Salaried:

• Aadhaar + PAN
• Salary slips (3–6 months)
• Bank statement (6–12 months)
• Form 16
• Property papers

For Business/Self-Employed:

• Aadhaar + PAN
• ITR 2–3 years
• GST / Business documents
• Bank statement
• Property papers

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📉 Home Loan Interest Rates (Approx)

• Banks: 8.25% – 10.50%
• NBFCs: 9% – 12.50%

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💰 Processing Fees

• Banks: ₹2,000 – ₹10,000
• NBFC: 0.5% – 1% of loan amount

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🏦 Home Loan Process (Step-by-Step)

1. Application submit
2. Document verification
3. CIBIL check
4. Income assessment
5. Property verification
6. Sanction letter
7. Loan disbursal

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❓ FAQ – Home Loan

Q1: Minimum CIBIL score kitna chahiye?
650+ recommended, par NBFC lower score par bhi consider karte hain.

Q2: Salary kam hai to kya loan milega?
Yes, co-applicant add karke approval chances badh jaate hain.

Q3: Cash salary wale apply kar sakte hain?
Yes, but NBFC hi mostly consider karte hain.