Loan eligibility is largely dependent on the income and repayment capacity of the individual(s). There are other factors that determine the eligibility of home loans such as age, financial position / obligations, credit history / score, savings history, the stability & continuity of occupation, etc.
To make your life even more comfortable, try the online DBS Treasures home loan eligibility calculator. This calculator is easy to use and it takes a few seconds to estimate your eligibility.
*Denotes Mandatory Fields
Please select option
(min Rs. 1,00,000 max Rs. 10,00,00,000)
Restricted to 50% of Net Monthly Income
(min 12, max 300)
(min 6.5%, max 14%)
Please find below a general list of criteria that all banks consider before giving you a home loan:
Now that you have seen how easy it is to determine your home loan eligibility go ahead and apply for a DBS Treasures home loan. Get the benefits of attractive interest rates, special processing fees and a dedicated mortgage specialist.
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As people grow older, their ability to earn and repay loans may reduce. This is why banks usually factor in age and income while calculating home loan eligibility.
Yes, a credit score can be improved to enhance home loan eligibility by making timely repayment of existing loans, lowering overall debt and reducing the number of concurrent loans taken.