What all are the conditions to take a home loan?

Home loans are given for buying house, building house or upgrading house. You should have ownership in the house. Eligibility criteria include your income, your liabilities and net worth. Lenders look for sufficient income, stability in income (judged from nature of occupation, time in present employment, organisation etc) and good credit history (if you took a loan or credit card before, your credit history can be viewd by them) to ensure repayment.

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