Why Choose a Home Loan?

Buying a home is one of the biggest investments in life. With home loans, you can:

• Own Your Dream Home: Purchase a home without paying the full amount upfront.
• Flexible EMI Options: Choose repayment tenure that suits your budget.
• Tax Benefits: Claim deductions on principal and interest under income tax laws.

Learn more: Xbhumi.com

Home Loan Eligibility Criteria

Eligibility depends on several factors:

• Age: 21–70 years for most banks
• Income: Minimum salary ₹15,000–₹25,000/month depending on bank
• Credit Score: CIBIL score > 750 preferred
• Employment: Salaried or self-employed with stable income
• Existing Loans: Total EMI should be under 40–50% of income

Check eligibility using the Paisabazaar Home Loan Eligibility Calculator or Xbhumi.com.

EMI Calculator & Repayment Options

EMI depends on loan amount, interest rate, and tenure. Banks offer flexible tenure from 5–30 years.

• Use the ICICI Home Loan EMI Calculator to estimate your monthly payments.
• Shorter tenure = higher EMI but less interest paid overall
• Longer tenure = lower EMI but higher total interest

Plan smartly to balance comfort and affordability.

Documents Required for Home Loan

• Identity Proof: Aadhaar, PAN Card
• Address Proof: Passport, Utility Bills
• Income Proof: Salary Slips, Bank Statements
• Property Documents: Sale Deed, NOC, Encumbrance Certificate

Ensure all documents are accurate for quick processing.

Top Banks Offering Home Loans

• ICICI Bank: Instant provisional sanction for CIBIL >750
• HDFC Bank: Competitive interest rates and flexible tenure
• SBI Home Loans: Easy eligibility and online EMI calculators
• LIC HFL: Quick disbursement and low EMI options

Frequently Asked Questions (FAQ)

Contact Us

Reach out to get your home loan eligibility checked and start your journey towards owning a home:

• Call / WhatsApp: +91-9661396261
• Website: Xbhumi.com
• Email: info@xbhumi.com

Get Free Home Loan Consultation