Based on the information provided, one of the following loan programs may be a good option for you.

Normal Salaried - Pensioner

  • Income ProfileSalaried
30 Years
Loan Tenor (MAX)
75 Years
Age Limit
325 sft
Min Property Area
90% of Property Value for <30 Lacs Loan || 80% of Property Value for 30-75 Lacs Loan || 75% of Property Value for >75 Lacs Loan

Normal Salaried - Non Pensioner

  • Income ProfileSalaried
30 Years
Loan Tenor (MAX)
70 Years
Age Limit
325 sft
Min Property Area
90% of Property Value for <30 Lacs Loan || 80% of Property Value for 30-75 Lacs Loan || 75% of Property Value for >75 Lacs Loan

Cash Salaried

  • Income ProfileSalaried
30 Years
Loan Tenor (MAX)
60 Years
Age Limit
325 sft
Min Property Area
90% of Property Value for <30 Lacs Loan

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The maximum loan tenure under this scheme is 30 years for both Salaried and Self-employed.
*Subject to Internal Credit Assessment 

For Salaried : Upto 60 % of the Gross Salary can be used to pay your EMI.
For Self-Employed : Upto 100 % of the income can be used to pay your EMI.
*Subject to Internal Credit Assessment

Market value refers to the estimated value of the property as per the prevailing market conditions.

Loan amount Up to Rs 30 lakhs, you can get Up to 90% of the property's market value.
Loan amounts range between 30 lakhs to 75 lakhs, you can get Up to 80% of the property's market value.
Loan amount greater than 75 lakhs, you can get Up to 75% of the property's market value.

Yes,a pensioner can get a home loan under this scheme Up to the age of 75 years at loan maturity.
*Subject to Internal Credit Assessment

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