Owning a home may be a matter of pride for a lot of people, it may also signify a dream come true for some and for some it may be the biggest achievement of their life. We at Loan Talk know how it feels to be able to own a home and call it your own. With guidance in the right direction and being with you at every step in the processing of your Home loan we make sure that you are able to get the best deal. We also make sure that the agency that may be able to help you in the process of achieving the loan for your most desired home is chosen after a perfect research and knowledge.

We help you in taking the right decisions that will not only help in getting you the loan but also help you in the process of repaying the home loan with ease. The nuances and the details that are involved in the process of applying for loan and having it approved may be extremely confusing, which is why our experts make all attempts to make the process simpler for you and help you read between the lines.

  • Home loans are long term borrowing instruments with a minimum tenure of 5 years and a maximum tenure of 30 years. The tenure offered to you for your personal loan depends on the loan amount that is sanctioned to you by the lender along with other factors.

  • Anyone — whether self-employed or salaried individuals/professionals — with a regular source of income can apply for home loans. One must be at least 21 years old when the loan period begins and should not exceed an age of 65 years when the loan ends or at the time of superannuation. This is the generic home loan eligibility criteria and specifics such as the minimum and maximum age limits, minimum income level, etc. may differ from one lender to another.

  • No. A lender would only allow you to apply for a joint home loan if the application is co-signed by one or more members of your immediate family. Thus, your friend does not qualify.


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