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YOUR QUERIES: LOANS: Income stream & current debts determine home loan eligibility
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By Manish Chaudhari
After working abroad for 15 years, I returned to India in July this year. I want to take a home loan to buy a flat in Ahmedabad. What are the documents that I should put in place and what is the eligibility criteria?—Amit Rajwagshi For availing a home loan, you should keep your KYC documents, income documents as well as your passport along with the resident status details readily available with you. The eligibility will be based on the income stream that you have and the current obligations that you may be running. Apart from this, your credit bureau score will also have a bearing on your eligibility. The loan amount that you can get will be limited by the maximum loan-to-value (LTV) ratio allowed by the regulator based
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