Check your monthly net income
Calculate your existing monthly EMIs and debts
Review your credit score and credit history
Determine your employment type and job stability
Note your age at the time of application and loan maturity
Estimate your eligible loan amount based on income and obligations
Compare the requested loan amount with property value and down payment
Verify the lender’s minimum income criteria
Verify the lender’s minimum credit score criteria
Verify the lender’s maximum age criteria
Verify the lender’s required work experience or business vintage
Check the property’s legal and technical approval status
Use the lender’s home loan eligibility calculator
Review the lender’s interest rate and tenure options
Prepare income proof, identity proof, address proof, and bank statements
Confirm eligibility with the lender before applying