To qualify for a home loan, lenders usually look at your credit score (preferably above 620), steady income, low debt-to-income ratio, and stable employment history. If you meet the lender’s eligibility parameters, you can qualify for a home loan.

Yes, you can prepay your home loan. Prepayment can be done in two ways:

• Full Prepayment: Pay the remaining principal amount and close the loan.
• Part Prepayment: Pay a portion of the outstanding amount to reduce the principal, lowering EMI or loan tenure.

No, banks do not provide 100% home loans. Most lenders offer **up to 90–95%** of the property’s agreement value, and the remaining amount must be paid by the borrower as a down payment.

There is no fixed maximum limit for home loans. The loan amount depends on:
• Property agreement value
• Borrower's income
• Credit history
Generally, banks provide **90–95% of the agreement value** based on eligibility.

Salaried applicants generally need:
• Identity Proof
• Address Proof
• Income Proof (salary slips, ITR)
• Employment Proof
• Professional certificate (if applicable)
• Bank statements
• Property documents

Yes, you can apply jointly with a friend or family member. Lenders generally allow spouses, parents, siblings, or close relatives as co-applicants. Some lenders may allow unrelated co-applicants depending on eligibility. Note: All co-owners of the property must be co-applicants.

Joint borrowers can include family members, spouses, parents, or any individuals willing to take equal responsibility for the loan repayment. Lenders require all property co-owners to be co-borrowers. Joint borrowing can increase loan eligibility since income of all applicants is considered. It's important for joint borrowers to understand that they are equally responsible for repaying the loan, and any default can affect both borrowers' credit scores