Minimum age: 18 years as on the date of sanction

Maximum age: 70 years. i.e. the age by which the loan should be fully repaid, subject to availability of sufficient, regular and continuous source of income for servicing the loan repayment.

Loan Amount:

Actual loan amount will be determined taking into consideration such factors as applicant's income and repaying capacity, age, assets and liabilities, cost of the proposed house/flat etc. To enhance loan eligibility you have option to add:

1) Income of your spouse/ your son/ daughter living with you, provided they have a steady income and his/ her salary account is maintained with SBI.

2) Expected rent accruals (less taxes, cess, etc.) if the house/ flat being purchased is proposed to be rented out.

3) Depreciation, subject to some conditions.

4) Regular income from all sources.

  • Equitable mortgage of the property

Margin/ LTV Ratio:
Individual Home Loan Amount
Margin (Min.)(%)
LTV Ratio (%)

Upto Rs. 30 Lacs



Above Rs. 30 Lacs. and upto Rs. 75 lacs



Above Rs. 75 lacs



Interest rates:

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