Home Loan Guide
A practical overview of home loans in India — what lenders look for, documents you need, and how to improve approval odds.
1. Get pre-approved before you hunt
Pre-approval tells you a realistic budget and strengthens your offer with sellers or brokers.
Share income proofs, credit score range, and existing EMIs early so the bank can issue a sanction letter.
2. Compare more than just interest rate
Look at processing fees, prepayment charges, floating vs fixed options, and customer service for disbursals.
Public sector and private banks often differ on tenure flexibility and documentation speed.
3. Documents typically required
Identity & address proof, last 6 months bank statements, salary slips / ITR, property papers once shortlisted.
For under-construction projects, RERA registration and builder approvals matter for disbursal stages.
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