Grihum Housing: Navigate Home Loan Eligibility and Essential Documentation

Who Can Apply?

Category	Salaried Individuals	Self-Employed Individuals	Firms/ Companies
Age	Minimum age: 21-65 years	Minimum age: 21-65 years	Minimum age: 25-65 years (key people)
Income Requirement	Income: ₹20,000/month	Gross annual income: ₹3 Lakhs	Annual turnover: ₹10 Lakhs
Experience	Minimum 1 year	Minimum 2 years in business	Business vintage: 3 years
Citizenship	Indian	Indian	Proprietor/Partners/Directors

We will keep it easy for you. Here’s what you’ll need:

Category	Salaried Individuals	Self-Employed Individuals	Firms/Companies
Identity Documents PAN Card is mandatory, and any one of these	Aadhaar Card Passport Driving License Voters ID	Aadhaar Card Passport Driving License Voters ID	GST Registration Certificate Registration Documents
Address Proof	Aadhaar Card Passport Driving License Voters ID Job Card by NREGA National Population Register Letter	Aadhaar Card Passport Driving License Voters ID Job Card by NREGA National Population Register Letter	Electricity Bill or Rent Agreement KYC of Partners/Directors
Income Proof	Last 3 months' salary slips, Form 16	Last 2 years’ Profit/Loss statement balance sheet, and ITRs	Last 2 years’ Profit/Loss statement balance sheet, and ITRs
Other Documents	Bank Statement: Last 6 months	Bank Statement: Last 6 months	Bank Statement: Last 6 months
Property Documents	Relevant legal and technical clearance documentation	Relevant legal and technical clearance documentation	Relevant legal and technical clearance documentation