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Home Loan on a salary of Rs.75,000: Overview

A Home Loan from Bajaj Housing Finance makes owning your dream home easy and hassle-free. With manageable EMIs, better repayment tenors, easy eligibility criteria, and lower interest rates, you can enjoy a stress-free Home Loan journey. If you are looking to apply for a Home Loan on a salary of Rs.75, 000, use Bajaj Housing Finance Home Loan EMI calculators to gauge the EMIs you will have to pay the desired loan amount.

Read on to know the eligibility criteria, document requirements and tips to increase your eligibility for a Home Loan.

How Much Home Loan One Can Get on a Rs.75,000 Salary?

If your monthly salary is Rs.75,000 and you are willing to avail of a Home Loan, refer to the table given below to know the Home Loan amount* you are eligible for given that you do not have any existing debts or monthly obligations. You can also use our Home Loan Eligibility Calculator to determine the loan amount you are eligible for.

Net Monthly Income Home Loan Amount
Rs.75,000 Rs.45,21,634
Rs.74,000 Rs.44,61,345
Rs.73,000 Rs.44,01,057
Rs.72,000 Rs.43,40,768
Rs.71,000 Rs.42,80,480

*Based on other variables, the actual loan amount you get may change.

In order to maximise your Home Loan eligibility for a Rs.75,000 salary, you can utilize a variety of strategies as a borrower, including using a joint account holder or paying off any existing debt you might have. This significantly raises your credit score and helps convince the lender that you won't default on your mortgage.

How to Determine Eligibility for a Home Loan?

To find out the Home Loan amount you are eligible for on a salary of Rs.75,000, use the calculator for Home Loan eligibility. Our Home Loan Eligibility Calculator makes it simple to compare and select the Home Loan as per your eligibility. You will have to enter basic details such as the city, date of birth, monthly income, and monthly obligation, to know the loan amount you are eligible for. Listed below are the steps to be followed to check your Home Loan eligibility using the Bajaj Housing Finance eligibility calculator:

1. Select the city.
2. Enter your date of birth.
3. Input your monthly income or slide the bar till you reach the exact value.
4. Input your monthly obligations or slide the bar till you reach the approximate value.
5. From the available options, select the type of employment you desire.
6. You will see the eligibility amount to the right in real time which dynamically changes as you manipulate the input fields.

Once you have determined the loan amount that you may readily receive, you can use our free housing loan EMI calculator to check the EMI you will have to pay.

What are the Documents Required to Apply for a Home Loan?

Availing of Home Loans from Bajaj Housing Finance comes with benefits such as a minimal and hassle-free documentation process. To streamline the process further, keep the following list of documents*** handy:

Mandatory Documents PAN card
Form 60
KYC Documents
  • Recent photograph
  • Voter ID card
  • Aadhaar card
  • Valid passport
  • Valid driving license
Proof of Income 3 months’ salary slips (for salaried and salaried professional applicants) P&L statement (for self-employed applicants) ITR (for self-employed applicants) Statements of your primary account for the last 6 months (for all applicants)
Business Proof Proof of business vintage of 5 years or more (for self-employed and non-professional applicants)
Education Qualifications MBBS and above (self-employed professionals- doctors) Valid COP (self-employed professionals- Chartered Accountants)
Property-related Documents Title deed
Allotment letter
Property tax receipts

*** Additional documents may be required at the time of loan processing.

How to Increase Your Home Loan Eligibility?

Keep your credit score at or above 750:

Your chances of getting a loan approved and at better loan rates are increased by having a good credit score, especially one of at least 750. Responsible credit practices, such as paying off credit card balances and EMIs on time and keeping your credit utilisation ratio under 30%, can raise your credit score to 750 and above. 

Consider a Joint Home Loan:

Your lender may reject your Home Loan application if you have higher monthly obligations or a low credit score. If you are not getting the loan amount you need, consider including a co-applicant and apply for a joint Home Loan. However, the co-applicant must be a family member who earns a living, has a clean credit history, and has adequate repayment ability. If a woman is the co-applicant or main loan applicant, you can be eligible for a house loan with lower interest rates.

Find out whether your lender provides a step-up loan:

As part of this program, lenders initially issue loans at reduced EMIs, which progressively rise when you begin repaying the loan. It is usually intended for borrowers who are younger. As the borrower advances in their profession and earns more money, the lender raises the EMI. A step-up loan has a greater interest expense than a loan with a set EMI.

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