Home Loan Guide India 2025

Eligibility factors

How to get a home loan in India — CIBIL score, documentation, bank comparison, and EMI calculation.

CIBIL score impact

750+: best rates (8.5–9%). 650–749: standard rates (9–9.5%). Below 650: limited options (10%+).

Documents required

Salaried: last 3 months salary slips, Form 16, 6 months bank statements. Self-employed: 2 years ITR, CA-certified P&L, balance sheet.

• PAN & Aadhaar
• Proof of income
• Bank statements (6 months)
• Property documents
• Employment letter

EMI calculation

EMI = P × r × (1+r)^n / ((1+r)^n - 1). For ₹50L at 8.75% for 20 years: ~₹44,500/month.