What lenders look at
Five inputs decide almost everything. Improve any one of them and your sanction moves up.
- Net monthly income, and how much of it is already going to other EMIs
- Credit score and repayment history — 750+ gets the best pricing
- Age and remaining working years, which caps the tenure
- Employment type: salaried, self-employed professional or business owner
- The property itself — legal title, approvals and valuation
