On what basis is the amount of the home loan decided? or on what basis a capacity of a person to repay the loan is evaluated ?

The amount of the loan for each individual depends on the following factors:-
An Indian resident or NRI
The income of the family applying for the loan.
Above 21 years of the age at the commencement of the loan.
Below 65 years when loan matures.
Number of dependants.
Assets and liabilities.
Either salaried or self employed



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