Meet the Eligibility Criteria, Unlock Your Home Loan
Grihum Housing Finance has simplified Home Loan eligibility criteria to ensure that your dream home is within your reach.
| Salaried Individuals | Self-Employed Individuals | |
| KYC – Identity Proof PAN Card is mandatory, and any one of these |
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| KYC – Address Poof |
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| Income Documents |
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| 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 |
The documents depend on whether you are salaried or self-employed.
Salaried applicants need PAN (mandatory), one ID and address proof (Aadhaar/Passport/DL/Voter ID), last 3 months’ salary slips, last 2 years’ Form 16 or ITR, and 6 months’ bank statements.
Self-employed applicants need PAN (mandatory), ID and address proof, last 2 years’ ITR, balance sheet and P&L, and 6–12 months’ bank statements
No. Submission of minimum mandatory documents is required for KYC verification and income assessment. Applications without a valid identity and address cannot be processed. However, we can provide you with a home loan if you do not have an ITR.
Our home loan interest rates start from 9% p.a.* The final interest rate depends on factors such as your credit profile, income stability, loan amount, tenure, and property details. All charges are transparent, with no hidden costs.
Grihum offers a wide range of housing finance solutions, including:
No. Property title and legal documents are mandatory. We conduct thorough legal and technical due diligence to verify ownership, approvals, and property compliance before loan disbursement.
Self-employed applicants are required to submit ITRs for the last 2 years along with financial statements. However, Grihum can provide a loan even if you do not have ITR.
Salaried applicants are typically required to submit salary slips for the last 3 months to demonstrate income continuity.
Form 16 for the past 2 years is generally required for salaried applicants as part of income verification, along with salary slips and bank statements.
Yes. A registered sale agreement or title deed of the property is mandatory. Loan disbursement is subject to completion of legal and technical checks on the property.
Yes. Self-employed individuals, including business owners and freelancers, can apply for a home loan. They must provide income proof, such as ITRs, financial statements, and business documents, to demonstrate stable earnings.
Missing or incomplete documents can delay or impact home loan approval. Since lenders verify every detail, it is advisable to keep all required documents ready in advance for a smooth, faster, and hassle-free loan process.
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