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📊 Your Financial Details
Calculating your eligibility…
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Your Home Loan Eligibility Report
AI analysis · Bank-specific guidance · FY 2025-26
🏦 Compare Home Loan Rates
SBI at 8.5%, HDFC at 8.7%, ICICI at 8.75% — compare and save lakhs
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FOIR — Key to Loan Approval
Fixed Obligation to Income Ratio — banks allow max 40–55% of income toward EMIs. Existing EMIs eat into eligibility. Clear loans before applying for home loan.
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Add Co-Applicant to Increase Eligibility
Adding spouse as co-applicant combines both incomes — increases eligible loan amount by 40–80%. Also gets joint Section 24(b) interest deduction benefit.
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CIBIL 750+ Gets Best Rate
Score 750+ vs 650: interest rate difference of 0.5–1%. On ₹50L loan for 20 years = ₹6–12 Lakh savings. Improve CIBIL first, apply later.
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Best Banks for Home Loan 2025
SBI: lowest rate, slowest process. HDFC: fastest approval. Canara Bank: best for govt employees. ICICI/Axis: best for high earners with good CIBIL.