Home Loan on 25,000 Salary

Check How much Home Loan Can I Get on 25000 Salary

✓ Home Loan from ₹2 Lakhs To ₹15 Cr ✓ Multiple Lending Partners ✓ Interest Rates Starting @ 8.50%

For most salaried employees, the hope to live in their own home comes with many ifs and buts. While home loans have made things much simpler and easier, one may often be doubtful about getting a home loan, especially when they fall in a modest salary bracket of ₹25,000 a month. So, if you have been asking how much home loan can I get on a  salary of ₹25000, here we are with the answer. 

How Much Home Loan Can You Get on a ₹25000 Salary?

As a thumb rule, you can get a home loan up to 60 times your monthly income. Your chances to get a better loan amount can, however, depend on other certain aspects as well. To give you an idea of the home loan you can expect with your salary, we have made the table below:

Monthly Salary

Loan Amount 













The home loan amount given in the table is calculated using the eligibility calculator. The actual home loan amount can vary based on location, age, monthly income & various other factors.

What is the Current Interest Rate on a Home Loan Available on Bajaj Markets

Once you know how much home loan you are eligible for, you need to take a careful look at the interest rate on a house loan available on Bajaj Markets. If you already have an existing home loan, you always have the option to transfer it to us. Along with competitive interest rates, you would also receive a lot of advantageous features.  The current interest rate on a home loan available on Bajaj Markets: 


Rate of Interest

Bajaj Housing Finance Limited

8.60% p.a. onwards

Union Bank of India

8.60% p.a. onwards

PNB Housing Finance Limited

8.50% p.a. onwards

LIC Housing Finance

8.65% p.a. onwards


8.75% p.a. onwards

Shubham Housing Finance

10.90% p.a. onwards

Home First Finance Company

9.50% p.a. onwards

Disclaimer- Interest rates mentioned in the above table can vary from one lending partner to the other and are subject to change.

How to Check Home Loan Eligibility?

When you apply for a home loan, there are certain conditions that you are required to fulfil. These conditions are called eligibility criteria. Fulfilling the following conditions is important, and not qualifying these may result in rejection of your home loan application. 



Age Limit for Salaried Applicants:

23 to 62 years


750 and above

Work Experience

3 years at least

Minimum Salary 




Checking your home loan eligibility becomes very easy with the Home loan Eligibility Calculator. Just fill in the required fields, and you will see all the details of the home loan you wish to take. This is a free online tool that you can use as many times as you want. 

What Documents are Required for a Home Loan

Given below is the list of some of the most important documents required for a home loan. Keep them handy when you apply for a home loan. 

1. Duly filled and signed home loan Application Form

2. ID Proof, any of the following:

3. Age Proof, any of the following:

  • Birth Certificate

  • Class 10 Marksheet

  • PAN Card

  • Aadhaar Card

  • Passport

  • Voter’s ID

4. Residence Proof

  • Bank passbook

  • Ration card

  • Passport

  • Utility bills

5. Income proof, any of the following:

  • Form 16

  • Salary Slip, last two months

  • Last 3 years’ ITR 

Some other documents may be required.

How to Apply for a Home Loan on Bajaj Markets?

If you feel you qualify for the home loan eligibility for a salary of ₹25000, Bajaj Markets is a great place to explore various options. Applying for a home loan is easy and convenient. The steps to be followed are explained below:

  • Step 1: Visit Bajaj Markets and go to the Home Loans section. Enter the required details such as name, date of birth and phone number.

  • Step 2: Share your personal and employment details and the details of the desired property. You may be asked to furnish other details such as PAN, etc.

  • Step 3: Once you click on Proceed, you will be shown a number of quotes from all the Bajaj Markets partners. You can take your time to browse through the various institutions. Compare the interest rates, EMIs and repayment tenure.

  • Step 4: When you make up your mind, click on the lending partner you prefer the most. The application process will be verified through an online process. Once all the formalities are completed, a loan representative will contact you for further processing.  

Factors that Affect Home Loan Eligibility

Even as your income is a major deciding factor when you apply for a loan, there are certain other crucial aspects that a lender would consider. When all aspects are in order, the loan company will accept your application. These factors include

1. Your Age: Most home loan companies accept applicants who are in the age group of 23 to 62 years. However, younger applicants are preferred as they have a longer work life ahead of them, and thus the chances of the home loan repayment are higher.

2. Your Occupation: If you are working in a reputed company, it puts you in a good position. It gives the lender the assurance that you will be regular with your repayment as you have a steady income. Your work experience also plays a significant role in showcasing your stability.

3. Your Credit Score: Your credit score is undoubtedly a factor that affects your home loan eligibility. Even with a good salary, you may not be able to get a loan if you have a low CIBIL score. While a score above 650 is satisfactory, a score of 700 and above makes it much easier to get your loan sanctioned.

4. Your Current Liabilities: Having too many loans and liabilities in your name can make things a little difficult. Your existing debts may make you overburdened, thus, affecting your repaying capacity.

5. Loan to Value: Under the Loan to Value ratio, you must know that you cannot get the complete property cost as the loan. You may be able to get a maximum of 75% to 90% of the total cost.

6. Legalities with the Property: The property that you wish to purchase will be surely checked by the lending company. The property mustn’t be disputed in any way.


For a majority of people, the dream to have their own house can be fulfilled only through a home loan. Bajaj Markets takes you a step closer to your dream. You no longer need to consider real estate beyond your pocket’s reach as you get the best options for getting a home loan on a salary of ₹25000. Once you have made up your mind, and have finalised a  house or a property, get in touch with Bajaj Markets and get the best deals on home loans. 

Home Loan on 25,000 FAQs

  • ✔️How much home loan can I get on a ₹25,000 salary?

    The maximum loan that you can get depends on a number of factors, such as your age, your current debts and your job years. Bajaj MARKETS home loan for a salary of ₹25,000 can be around ₹20,85,328.

  • ✔️How much home loan can I get on a salary of ₹45,000?

    If you fulfil all the eligibility criteria laid out by the lender, you may be able to get a loan amount of around ₹37,53,591. But you need to keep in mind that your loan amount is influenced by other factors as well, such as your credit score, your age, your current job and the company’s policies.

  • ✔️How much house loan can I get on a salary of ₹50,000?

    Different financial companies have different terms and conditions when sanctioning a home loan. While your salary is a crucial factor, things like the applicant’s age, job, CIBIL score and the location of property also play an important role. With Bajaj MARKETS, you may be able to get ₹41,70,657 as home loan for a salary of ₹50,000.