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Home loan eligibility in Pune — the bank math demystified

Eligibility math, documentation, and how to compare bank offers across HDFC, SBI, ICICI, Axis, Kotak for a Pune purchase.

Finance · 04 May 2026 · 6 min read

Eligibility math, documentation, and how to compare bank offers across HDFC, SBI, ICICI, Axis, Kotak for a Pune purchase.

Eligibility math

Banks lend 60–80% of agreement value, EMI ≤ 50% of monthly take-home, tenure up to 30 years. Quick rule: monthly take-home × 75 = maximum eligible loan.

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