There are a lot of factors which comes into action while checking the eligibility of loan and if any of the required factors are not satisfied then it becomes difficult for the customer to get the loan.


This is the first thing the loan lending company checks before financing the customer. The range of one’s income decides the amount of loan they can get from the loan lending company or a bank. So, it is one of the most important factors in a home loan.


Age comes to action while calculating the tenure of your loan.


If someone does not have enough income to avail loan then they can have the aid of co-applicant as in family member or relative or close friends. This increases the overall value of his income. And hence, eligible to avail loan.

Property Attributes

Banks and loan lending company furnish loan up to 75% of the value of the house one has already owned. For example, if one has a home of value 100 lakhs then they will be able to avail loan up to 75%.


If the customer is choosing a longer tenure than they can be financed more amount of money with less EMI rates.

CIBIL score

CIBIL score is about your report of the credit card. This report helps to know about the repayment capacity of the customer. So, the bank or loan lending company can ensure that you can repay the loan.

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