Home Loan Eligibility
Check your home loan eligibility and apply for a home loan with us. Your dream house is within your reach now.

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We, at Kotak, lay out a simple procedure that enlists the eligibility criteria for Kotak Home Loans. Let us provide you details on housing loan eligibility criteria and what role does it play in the complete process.
Also you can find out about Pradhan Mantri Awas Yojana Eligibility Criteria
Am I eligible to apply for a Home Loan?
Your eligibility as determined by Kotak Mahindra Bank will help decide if you can and how much you can borrow. The information that will be required at the time of application includes the location of the property, co-applicants and your basic contact details. Once these details are submitted you shall get a quote online, followed by which, you will be able to apply for a Home Loan. You can check whether you are eligible for a Kotak Home Loan by simply using our Housing Loan Eligibility Calculator.
Check your Eligibility with Kotak Mahindra Bank in 1 minute using Home Loan Eligibility Calculator.
Home Loan Eligibility Calculator
What documents are required to avail Home Loan?
Once you start the process of application, you will be required to present a few documents to the Bank for testifying your eligibility. These include:
Find out more by checking out the documents required for home loan.
Why should you apply for a Kotak Home Loan?
Kotak Home Loan not only offers you an attractive interest rate but also guides you through the entire process right from your doorstep! All the details pertaining to the EMI payments, eligibility criteria, documentation etc. are available online. With zero processing fees for online applications, we intend to fast track the loan approval process and make it memorable for you! We also extend convenient loan disbursement options and lucrative insurance options to cover your home loan at an attractive premium.
To find out what more is in store for you, read Kotak’s home loan features.
Also you can find out the Pradhan Mantri Awas Yojana Eligibility Criteria
Select your preferred method.
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There are various factors that determine a borrower’s eligibility for a home loan.
Primary factors include:
For detailed eligibility criteria, Click here
If you are an individual - your spouse, your parents, or even your major children can be your co-applicants. The co-owner of a property has to be a co-applicant, but a co-applicant need not be the co-owner of the property.
Your repayment capacity as determined by Kotak Mahindra Bank will help decide how much you can borrow.
Co-Borrower can be spouse, parents or brother or son, but income of co-borrower is consider as per home loan policy of Kotak Mahindra bank.
There is no capping of upper limit of number of co-borrower, however minimum one co-borrower is required.
Note: Member who all are party to agreement must have to come up as o borrower / co-borrower.
Clicking on ‘Apply Now’ will redirect you to a third party website.
You can pay off any existing balance of Home Loan using Kotak’s Home Loan Balance Transfer at a lower rate of interest.
If you are an NRI and are looking for a Home Loan, Kotak provides you just that. Check out our NRI Home Loans section.
You can avail a Personal Loan from Kotak with the same documentation to meet unexpected expenses.
To ensure timely Home Loan repayments and ensure extended benefits, open a Savings Account from Kotak.
If you are looking for renovating your home, you can do so by taking Kotak’s Home Improvement Loans
Disclaimer (Things you should know):
For loans: Credit at the sole discretion of the Bank and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets.
* Rs. 5,000 Flat processing fee applicable for women applicants.
Clicking on ‘Apply Now’ will redirect you to a third party website.
Clicking on ‘Apply Now’ will redirect you to a third party website.
Clicking on ‘Apply Now’ will redirect you to a third party website.
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