Home Loan Eligibility Criteria for Salaried and Self Employed

Eligibility Criteria for Home Loans

Grihum Housing Finance has simplified Home Loan eligibility criteria to ensure that your dream home is within your reach.

Borrower type All types of Individuals including Salaried & Self-Employed Individuals & Non-Individuals like Proprietorship Firm, Partnership or Private Limited companies.
Age Minimum age should be 21 years and a maximum of 65 years
Citizenship Indian

	Salaried Individuals	Self-Employed Individuals
KYC – Identity Proof PAN Card is mandatory, and any one of these	Aadhaar Card Passport Driving License Voters ID Job Card by NREGA	Aadhaar Card Passport Driving License Voters ID Job Card by NREGA
KYC – Address Poof	Aadhaar Card Passport Driving License Voters Identity Job Card by NREGA Utility Bill (electricity, telephone, post-paid mobile phone, piped gas, water bill) Letter issued by the National Population Register Bank Statement Property Tax receipt	Aadhaar Card Passport Driving License Voters Identity Job Card by NREGA Utility Bill (electricity, telephone, post-paid mobile phone, piped gas, water bill) Letter issued by the National Population Register Bank Statement Property Tax receipt
Income Documents	Last 3 months’ salary slip Latest 2 years Form 16/ITR	Latest 2 years ITR’s Latest 2 years Profit/Loss statement and balance sheet
Experience norms	Minimum 1 Year or more	Minimum 2 Years or more
Bank Account Statement	Lastest 6 months’ bank statement	Latest 6/12 months Operative bank account statement