Home Loan for 20000 Salary
Securing a home loan on a 20,000 salary might initially seem like a daunting task, but it's important to note that various lenders understand the unique needs of individuals in this income bracket. Careful planning and responsible borrowing can make getting a home loan with Urban Money more achievable than you might think. In this, we will delve into crucial aspects such as interest rates and essential tips to make the entire process of a 20000 salary home loan.
- Personalized Home Loan solutions
- Expert guidance
- Application assistance
- Credit score discussion
- Home Loan Interest rate comparison
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Table of Content
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Home Loan Eligibility for 20000 Salary
Banks usually assess your loan eligibility based on several factors, including your income, credit score, existing debts, and job stability. Similarly, below we have highlighted the general eligibility criteria for seeking a home loan in 20,000 salary.
Here’s what you can expect:
- Applicant must be between 21-60 years.
- Applicant must have a minimum monthly salary of 20,000 to cover the monthly EMIs.
- Both salaried and self-employed individuals can apply,
- Having a healthy credit score (Generally above 750) is considered ideal for eligibility.
- Borrower must hold an Indian nationality. However, some banks also offer home loan options to NRIs and PIOs.
Documents Required for Home Loan on 20000 Salary
For applying for a 20,000 salary home loan, the borrowers need to submit some documents to verify their eligibility. Here, we have listed the significant documents required by almost all banks:
- Identity Verification: Documents like Adhaar card, PAN card, Voters ID etc.
- Address Proof: Verify your identity documents with Utility bills, Tax receipts, or Adhaar card
- Income Proof: Latest salary slips, ITR form, and bank statements for salaried individuals. On the other hand, self-employed individuals need to provide their profit and loss statements, balance sheets, income tax returns, TDS certificates, etc.
- Property Proof: All types of documents related to the property you want to purchase such as title deeds, allotment letter, valuation report, receipt of payment, etc.
Please note that the bank might ask for additional documents according to the application requirements.
Get Home Loan As Per Your Salary
Tips to Increase Your Chances of Getting a Home Loan on 20000 Salary
Here are some tips to improve your chances of getting a home loan on a 20,000 salary:
- Good Credit History: Maintaining a clean credit history always adds to your eligibility points. Making a timely payment of existing loans and credit cards is crucial for boosting a good credit score.
- Reduce Existing Debt: Lowering your debt burden increases your disposable income and improves your repayment capacity.
- Consider a Co-applicant. Adding a financially stable co-applicant with a higher income can significantly increase your loan eligibility.
- Longer Tenure: Opting for a long-term tenure helps to reduce repayment stress with lower EMIs at your convenience.
The Year-Wise Breakup of Home Loan for 20k Salary with an Interest Rate of 8.40% p.a.
Typically, salaried workers can borrow up to 60 times their monthly income for a home loan. Based on this assumption here’s a year-wise breakup of home loan for 20,000 salary with an interest rate of 8.40% p.a.
Tenure | EMI (Yearly) | Annual Interest Paid |
5 Years | Rs 23,205 | Rs 88,820 |
10 Years | Rs 14,203 | Rs 85,218 |
15 Years | Rs 11,065 | Rs 81,980 |
20 Years | Rs 9,386 | Rs 78,350 |
30 Years | Rs 8,210 | Rs 73,680 |
Remember: The loan amounts and eligibility criteria are estimates and may vary depending on the lender and the borrower’s circumstances.
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How Much of a Housing Loan Can You Afford With Your 20000 Current Salary?
Generally, you can qualify for a loan amount between 40-60 times your monthly net income. This translates to roughly ₹8-12 lakhs for someone earning ₹20,000. However, there are various factor lending unit conders to check the eligibility of an applicant. For this, borrowers can simply use the Urban Money Home Loan Eligibility Calculator if they want a more accurate estimate of their 20,000 salary home loan.
You can follow these simple steps:
- Access the Urban Money’s Home Loan Eligibility Calculator.
- Enter your desired details like Full Name, Mobile number, city, occupation type, required loan amount, monthly net salary, tenure etc.
- Click on “Check Now”.
- You will receive a 6-digit OTP sent to verify your mobile number.
- Once you enter the OTP, you will see the home loan amount you can avail from a lender with other details like monthly EMI.
You can also consider consulting with a financial advisor for personalized guidance on your home loan eligibility. They can help you assess your financial situation and recommend the best loan options for you.
Apply Home Loan in Your City
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About Home Loan
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- Federal Bank Travel Loan
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- Kotak Mahindra Bank Personal Loan of 7 lakh
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- HDFC Personal Loan of 15000
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- Yes Bank Housewife Personal loan
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- 15 Lakh Home Loan EMI
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- Canara Bank Personal Loan for Lawyers
- IDFC Personal Loan for Senior Citizens
- IndusInd Bank Overdraft Loan
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- Federal Bank Personal Loan of 9 Lakh
- ICICI Bank Overdraft Loan
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- Personal Loan of 20 Lakh
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- Personal Loan for CIBIL Score 650
- Personal Loan for CIBIL Score 650
- Bank of Maharashtra personal loan transfer
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- Federal Bank Overdraft Loan
- Union Bank Flexi Loan
- HDFC Bank Overdraft Loan
- Personal Loan for CIBIL Score of 700
- IDBI Bank Senior Citizens/Pensioners Personal loan
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- 4 Crore Home Loan EMI
- 55 Lakh Home Loan EMI
- IDFC First Bank Overdraft Loan
- Axis Bank Overdraft Loan
- PNB short term personal loan
- Kotak Bank Overdraft Loan
- Union Bank Personal Loan Transfer
- Yes Bank Overdraft Loan
- Canara Bank Overdraft Loan
- ICICI Bank Flexi Loan
- Indian Bank Personal Loan of 5 lakh
- SBI Flexi Loan
- Kotak Bank Flexi Loan
- Loans
- Bank of India Senior Citizens Personal Loan
- Yes Bank Flexi Loan
- ICICI Personal Loan of 8 Lakh
- HDFC Personal Loan of 25000
- Federal Bank Personal Loan for Doctors
- ICICI Personal Loan of 9 Lakh
- IDBI Bank Government Employees Personal loan
- Canara Bank Flexi Loan
- 10 Lakh Home Loan EMI
- Indian Bank Personal Loan of 2 lakh
- 40 Lakh Home Loan EMI
- 2 crore Home Loan EMI
- ICICI Bank Short Term Loan
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- Indian Bank overdraft loan
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- Axis Bank Short Term Loan
- Yes Bank Short Term Loan
- Union Bank of India Personal Loan of 30000
- Kotak Bank Short Term Loan
- BOB Personal Loan for Lawyers
- SBI Small Personal Loan
- HDFC Bank Small Personal Loan
- Federal Bank Personal Loan of 2 Lakh
- Indusind Bank Self Employed Personal loan
- IDBI Bank Personal Loan of 2 Lakh
- IDFC Students Personal Loan
- Indusind Bank Government Employees Personal loan
- IDFC First Bank Small Personal Loan
- Bank of Maharashtra Government Employees Personal Loan
- Axis Bank Personal Loan of 50000
- Bank of India Government Employees Personal Loan
- Axis Bank Small Personal Loan
- RBL Bank Flexi Loan
- Kotak Bank Small Personal Loan
- Bank of India Students Personal Loan
- IDFC Government Employees Personal Loan
- RBL Bank Personal Loan of 30000
- IDFC Housewife Personal Loan
- IDFC Home Loan Eligibility Calculator
- IDBI Bank Personal Loan for Lawyers
- IDFC Self Employed Personal Loan
- IDFC Personal Loan for Doctors
- HSBC Bank Wedding Loan
- Bank of India Self Employed Personal Loan
- IDFC Personal Loan for Lawyers
- Kotak Bank Salaried Employee Personal Loan
- HSBC Bank Travel Loan
- PNB Bank Travel Loan
- BOB Bank Medical Loan
- BOB Bank Travel Loan
- Union Bank Travel Loan
- Kotak Mahindra Bank Personal Loan of 10 lakh
- Indusind Bank Personal Loan of 4 Lakh
- ICICI Bnak Personal Loan for Lawyers
- Bank of Maharashtra Personal Loan of Rs. 5 Lakh
- Home Loan for 20000 Salary
- PNB Students Personal Loan
- Bank of Maharashtra overdraft loan
- Indusind Bank Short Term Personal Loan
- Bank Of Baroda Overdraft Loan
- Yes Bank Small Personal Loan
- RBL Bank Wedding Loan
- Bank of India Personal Loan for Doctors
- IndusInd Bank Wedding Loan
- ICICI Bank Small Personal Loan
- IndusInd Bank Travel Loan
- Bank of India Personal Loan for lawyers
- PNB Bank Wedding Loan
- Union Bank Wedding Loan
- Indian Bank Travel Loan
- Bank of India Wedding Loan
- PNB Senior Citizens/Pensioners Personal loan
- Bank of India Travel Loan
- Indian Bank Personal Loan of 6 lakh
- Bank of Maharashtra Medical Loan
- Bank Of Maharashtra Travel Loan
- Karnataka Bank Medical Loan
- Bank of Maharashtra small loans
- Punjab & Sind Bank Wedding Loan
- Karur Vysya Bank Medical Loan
- IDBI Bank Personal Loan of 30000
- Axis Super Save Home Loan Scheme
- 35 Lakh Home Loan EMI
- Karur Vysya Bank Wedding Loan
- HDFC Personal Loan of 7 Lakh
- Kotak Mahindra Bank Personal Loan of 50000
- Bank of Maharashtra Senior Citizens Personal Loan
- ICICI Personal Loan for Senior Citizen
- IDBI Bank small loans
- HDFC Personal Loan of 8 Lakh
- Bank of Maharashtra Personal Loan for Doctors
- BOB Personal Loan of 15,000
- 60 Lakh Home Loan EMI
- IDBI Bank Personal Loan for Doctors
- BOB Personal Loan of 20,000
- Karnataka Bank Government Employees Personal Loan
- BOB Personal Loan of 25000
- BOB Personal Loan of 30000
- BOB Personal Loan of 6 Lakh
- RBL Bank Housewife Personal loan
- BOB Personal Loan of 4 Lakh
- IDFC First Bank Personal Loan of 3 Lakh
- Indian Bank Students Personal loan
- Indian Bank Personal Loan of 7 lakh
- BOB Personal Loan of 5 Lakh
- ICICI Salaried Employee Personal Loan
- Kotak Bank Self Employed Personal Loan
- Kotak Mahindra Bank Personal Loan of 5000
- Axis Bank Personal Loan Balance Transfer
- Kotak Mahindra Bank Personal Loan of 10000
- Karur Vysya Bank overdraft loan
- IDBI Bank Personal Loan of 1 Lakh
- Kotak Mahindra Bank Personal Loan of 40000
- PNB Personal Loan of 30000
- Kotak Mahindra Bank Personal Loan of 30000
- Kotak Mahindra Bank Personal Loan of 8 Lakh
- RBL Bank Small Loan
- Kotak Bank Personal Loan for Doctors
- Home Loan for 30000 Salary
- ICICI Government Employee Personal loan
- Home Loan for 50000 Salary
- Home Loan for 60000 Salary
- Yes Bank Small Personal Loan
- Kotak Mahindra Bank Personal Loan of 1 lakh
- Canara Bank Personal Loan of 5000
- Canara Bank Personal Loan of 10000
- PNB Salaried Employee Personal loan
- Indusind Bank Personal Loan Transfer
- Canara Bank Personal Loan of 15,000
- Canara Bank Personal Loan of 20,000
- Canara Bank Personal Loan of 25000
- HSBC Bank Short Term Personal Loan
- Canara Bank Personal Loan of 30000
- Canara Bank Personal Loan of 40000
- Bank Of India short term personal loan
- Indusind Bank Small Loans
- Axis Bnak Personal Loan for Lawyers
- Federal Bank Short Term Personal Loan
- Punjab & Sind Bank Travel Loan
- Indusind Bank Flexi Loan
- Yes Bank Personal Loan of 40000
- Indian Bank Personal Loan of 4 lakh
- Indian Bank Personal Loan for Lawyers
- Canara Bank Personal Loan of 50000
- Canara Bank Personal Loan of 1 Lakh
- Union Bank Short Term Personal Loan
- Union Bank overdraft loan
- Canara Bank Personal Loan of 2 Lakh
- Karur Vysya Bank small loans
- Canara Bank Personal Loan of 3 Lakh
- IDBI Bank Self Employed Personal loan
- RBL Bank Medical Loan
- Canara Bank Personal Loan of 4 Lakh
- HDFC Personal Loan of 30000
- Canara Bank Personal Loan of 5 Lakh
- Federal Bank Wedding Loan
- Federal Bank Salaried Employee Personal Loan
- Axis Personal Loan for Wedding
- HDFC Personal Loan for Wedding
- SBI Personal Loan for Medical
- IDBI Bank Travel Loan
- Yes Bank Personal Loan of 3 Lakh
- Yes Bank Personal Loan of 5 Lakh
- SBI Personal Loan for Wedding
- HDFC Personal Loan of 5000
- IDBI Bank Wedding Loan
- DBI Bank Medical loan
- RBL Bank Students Personal loan
- HDFC Personal Loan of 40000
- 45 Lakh Home Loan EMI
- Karur Vysya Bank Travel Loan
- Union Bank of India Personal Loan of 10 lakh
- Canara Bank Personal Loan of 8 Lakh
- RBL Bank Overdraft Loan
- RBL Bank Personal Loan of 3 Lakh
- RBL Bank Personal Loan of 4 Lakh
- PNB Personal Loan of 2 Lakh
- IDBI Bank Personal Loan of 5 Lakh
- PNB Government Employees Personal loan
- IDBI Home Loan Eligibility Calculator
- SBI Home Loan Eligibility Calculator
- ICICI Home Loan Eligibility Calculator
- HDFC Home Loan Eligibility Calculator
- Navi Personal Loan Eligibility Calculator
- Axis Bank Personal Loan of 20000
- RBL Bank Short Term Personal Loan
- Bank Of India overdraft loan
- BOB Government Employees Personal Loan
- 5 Crore Home Loan EMI
- Canara Bank Government Employees Personal Loan
- ICICI Personal Loan of 5 Lakh
- IDBI Bank Students Personal loan
- IDBI Bank Personal Loan of 4 Lakh
- Axis Bank Empower Home Loan Scheme
- 85 Lakh Home Loan EMI
- HDFC Personal Loan for Medical
- Indian Bank Personal Loan of 3 lakh
- PNB Personal Loan of 1 Lakh
- Kotak Bank Government Employees Personal Loan
- Axis Bank Personal Loan of 10 lakh
- Bank of India Salaried Employee Personal Loan
- PNB Personal Loan of 40000
- IDBI Bank Personal Loan of 3 Lakh
- IDFC First Medical Loan
- ICICI Medical Loan
- Axis Bank Personal Loan For Medical
- Yes Bank Personal Loan for Wedding
- IDFC First Personal Loan for Wedding
- Kotak Medical Loan
- Yes Bank Medical Loan
- Indusind Bank Personal Loan of 3 Lakh
- Home Loan
- Personal Loan
- Loan Against Property
- Business Loan
- Federal Bank Personal Loan for Lawyers
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Frequently Asked Questions (FAQs)
Can I get a home loan from HDFC if my salary is 20000?
Yes, HDFC enables candidates with 20,000 salary to apply for a home loan. However, when applying for a Home Loan, apart from monthly income other factors like credit score, loan amount and repayment tenure also stand as important key factors influencing the available loan amount.
Can I apply home loan online if my salary is 20000?
Affording a home on a 20k salary can be challenging, but at the same time, it’s not impossible. Urban money provides borrowers with a wide variety of lending options to fulfil their housing dreams.
Is it possible to afford a home with a 20k salary?
With a 20,000 salary, you still have the option and can be eligible for buying a home loan of around 8-10 Lakh (depending on various other factors set by the lending unit).