Home Loan

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What is the Maximum Age for Home Loan?

Over the last two decades, the number of people applying for home loans in India has increased substantially. This is due to several banks and non-banking financial companies such as Bajaj Finserv offering home loans. The younger generation now earns much higher salary than their predecessors did. Therefore, there are significantly more borrowers in their early 30’s among the population seeking home loans.

Additionally, late home loan seekers, or those above the age of 45 now have wider options allowing them to make the most of their limited home loan tenure for repaying their loans. As the age of 60-65 is retirement for most people, lenders treat this as the maximum age limit for home loans. Bajaj Finserv, for instance, has a limit of age 62 for salaried home loan applicants, and 70 for self-employed home loan applicants.

Lenders look at several factors while deciding the home loan eligibility criteria of applicants. These include employee history, type of property, repayment capacity, creditworthiness, life stage, and so on. However, the only common factor tying all the above criteria together is the age of the candidate.

Additional Read: How to Calculate Home Loan Eligibility?

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