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Certain banks and financial institutions provide home loans for doctors that are tailored for medical professionals. This facilitates healthcare practitioners in achieving homeownership via home loans at affordable interest rates and various advantages.

Features & Benefits

Here are the multiple advantages of applying for a home loan for doctors:

Competitive Interest Rate

Many financial institutions offer this loan at a competitive rate, enhancing its appeal

Quick Processing

Online platforms like Bajaj Markets ensure swift approvals on home loans

Easy Repayment

These come with flexible tenures that enable you to repay the loan over a period that suits your financial capabilities

Balance Transfer Facility

Easily transfer your existing home loan to another lender offering lower interest rates, and benefit from the option for a substantial top-up fund

Pre-approved Offers

Some institutions provide exclusive pre-approved home loan offers for doctors

Eligibility Criteria for Home Loan for Doctors

You must fulfil the following requirements before you apply for a home loan for doctors: 

  • You must be a residential Indian citizen 

  • Your age must be between 23 and 70 years 

  • You must have a CIBIL score of around 700 or higher 

  • You must hold an MBBS or subsequent higher degree 

  • You must have at least 3 years of experience as a medical practitioner 

*Note that these requirements may vary from lender to lender.

Documents Required for Home Loan for Doctors

Submit the documents listed below to ensure that your home loan application is successful:

  • Application form

  • Identity proof (Aadhaar Card, Voter Card, Driving Licence)

  • Residence proof (Aadhaar Card, Passport, Utility bills, Voter Card)

  • KYC documents

  • Qualification proof

  • ITR for the past 2 years

  • Profit and loss statement for the previous two years

  • Bank statements for the past two years

  • Property documents

How to Apply for a Home Loan for Doctors?

Simply follow the steps given below:

  • Go to the financial institution's website or app

  • Visit the loan application section

  • Carefully fill in the application form with your basic details

  • Submit your application along with the required documents

  • You will be contacted by the lender’s officials for further processing

How to Apply for home loan


The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. 

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs for Home Loan for Doctors

Can doctors get a home loan?

Yes, several institutions offer home loans for doctors at a low interest rate.

What CIBIL score do I need for a home loan for doctors?

Lenders consider a score of 700 or higher as a good score when reviewing your home loan application.

What is the major difference between a regular home loan and a doctor’s home loan?

A doctor's home loan is a specific financing option offered by a limited number of banks and financial entities to medical practitioners only. This loan offers a number of benefits to doctors, such as reasonable interest rates, flexible repayment tenures, easy balance transfer facility, etc.

Which is the best home loan for doctors?

Each financial firm has its own set of products. You can evaluate them based on their interest rates, processing fees, and other charges to determine which is the best option. 

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