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Give Missed Call for Home Loan +91 9706128128 Special Offers
30-Aug-2025 | Home Loan Eligibility
Buying a home is a life changing moment. But, the planning process might appear intimidating due to challenges like regular bank visits, mountains of paperwork, and prolonged delays. Now, imagine being able to avoid all of this. Aavas Financiers, India's top housing finance company, lets you check your eligibility without visiting a branch. You're just a click away from all you need: an online home loan eligibility check, a free eligibility tool, a free EMI calculator, a free credit score tool, and more. The best part? Our method is quick, simple, and tailored just for you.
Picture this: it's like trying on shoes before you buy them. You wouldn't spend money without knowing if something fits your budget, would you? Aavas' online home loan eligibility check tool gives you that clarity in a snap. No need to visit branches. No paperwork to deal with. It's just you, your information, and a quick idea of how much you might be able to borrow. This service comes at no cost and keeps your details private.
Are you considering what factors influence eligibility? Here’s what the online calculator considers:
● Monthly Income: Your earnings set the ceiling on your borrowings.
● Existing EMIs or Debts: Current obligations, such as phone EMIs or credit card balances, are considered while assessing your borrowing capacity.
● Credit Score: Preferably 750 or more, and it indicates to lenders that you are a timely payee.
● Age and Tenure: Younger applicants can spread repayment over longer periods, which lowers monthly EMIs and improves eligibility.
● Employment Type:
○ Salaried: Minimum 1 year of stable work history.
○ Self-employed: Should demonstrate at least 1 year of steady income/business continuity.
Check your eligibility without stepping out of your house:
Open the Home Loan Eligibility Calculator on Aavas.in.
Enter your monthly income, current EMIs/debts, loan tenure, interest rate, age, and credit history.
Hit the button, and even faster see how much loan amount you’re eligible for.
Usually, it takes under a minute to complete. No documentation, no branch hassles, just quick clarity.
Once you know your eligibility, the next step? Check how much you will pay in a month.
Aavas provides a free EMI calculator that will help you figure out your monthly Equated Monthly Installment and principal and interest breakdowns. Here's how you use it:
Enter the loan amount, the annual interest rate, and the tenure.
You will see your EMI, total interest payable, and total repayment amount almost instantly.
You can adjust these numbers to come to a comfortable EMI that fits into your budget.
From free credit score checks to instant online eligibility, minimal paperwork, and affordable home loans with flexible options, Aavas ensures a smooth and simple home loan journey.
● Free Credit Score Checker: Need to know where you stand? Aavas offers that for free, helping you understand your eligibility further.
● Fast & Hassle-Free: No branch. No appointment. It's all in an instant and it's all online.
● Minimal Paperwork: Aavas makes the entire process simple. While you experience much complexity in the lending process in a traditional lending environment, Aavas will keep it simple.
● Affordable Home Loans: Aavas offers competitive interest rates, flexible tenures (up to 30 years), and a wide range of tools that are designed to empower you to succeed.
Do you want to avail higher loan amounts, or lower EMIs? Here are some things you could try:
● Improve Your Credit Score: Make sure to pay your existing EMIs and bills on time. Fix errors in your credit report.
● Reduce Debt Burden: Pay off existing loans or overdraw on credit cards less often.
● Bring in a Co-applicant: If you can, conduct the loan application with a spouse or immediate family member with a steady income. It can greatly improve your eligibility.
● Choose Longer Disbursement: A longer loan term would make it easier to borrow money, because your EMI will be smaller.
● Increase Your Income: A salary increase or even alternate sources of income give you more borrowing power.
● Check Your Own Credit Report: Noticing and fixing mistakes means less chance of delay, confusion and/or rejection due to unresolved inaccuracies.
With Aavas Financiers, everything is geared to make home loans online, simple, and secure. You get:
● Free home loan eligibility check online
● Free EMI calculator
● Free credit score checker
● A completely fast and hassle-free process
