Home Loan
Home Loan Documents: The Complete Checklist
Save time on your home loan application by having every document ready before you apply.
BankLoanKart Team · 30 Oct 2026 · 2 min read · Home Loan
Your home loan amount is decided by two limits: what your income can repay, and what the property is worth. You get the lower of the two.
Lenders look at how much of your monthly income can go into EMIs. Many keep total EMIs (old plus new) around 40 to 60% of net income depending on income level and profile. Because home loans run for long terms – often up to 20 to 30 years – the same EMI supports a much larger amount than a personal loan.
RBI rules cap how much of the property value a lender can fund. In general:
| Loan amount | Maximum loan as % of property value |
|---|---|
| Up to ₹30 lakh | 90% |
| ₹30 lakh to ₹75 lakh | 80% |
| Above ₹75 lakh | 75% |
The rest is your down payment. Stamp duty and registration are usually paid by you separately.
Use the eligibility calculator for a quick estimate, then the EMI calculator to pick a comfortable EMI and term.
It depends on your existing EMIs, age, the interest rate offered and the term. Use the eligibility calculator for an estimate; adding a co-applicant can raise it.
No. RBI rules cap the loan at 75% to 90% of the property value depending on the amount. The rest is your down payment.
Yes, an earning co-applicant's income is usually added, which can increase the amount.
Save time on your home loan application by having every document ready before you apply.
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