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How Does The SBI Home Loan Calculator Work?

SBI offers a variety of home loan schemes and offers at competitive rates to eligible salaried and self-employed consumers. Age, earnings, occupation, property type, and credit score all play a role in SBI home loan eligibility. Based on your eligibility, these criteria may differ from client to customer. For example, to apply for an SBI Flexipay Home Loans, you must be at least 45 years old. Based on the conditions listed above, you can use the SBI home loan eligibility calculator to evaluate your eligibility. 

SBI Home Loan Eligibility


The following is the SBI home loan eligibility criteria for self-employed people. If you are self-employed, you must meet the eligibility requirements outlined below in order to be able to apply for an SBI Home Loan:

  • Minimum 18 years of age
  • 70 years is the maximum age limit.
  • Amount of Loan: 25 Lakh-70 Lakh
  • CIBIL Scores of 650 and above.

In addition to the above requirements, if you are a partner, proprietor, or one of the directors of a company, the company must have been in operation for at least three years. Furthermore, the company should have made a profit in the previous two years. Furthermore, if the proposed property is purchased jointly by the proprietary firm and the proprietor, the company should be debt-free or have an existing bank loan.

How to use the SBI Home Loan Calculator?

In order to use the SBI home loan calculator follow the steps mentioned below to check if you’re eligible for an SBI home loan:

  • Go to the SBI website to learn more.
  • Now go to the selection you want. Home loans from SBI
  • Use a home loan eligibility calculator to evaluate your eligibility.
  • Fill in the essential information, such as the loan amount, salary, and age.

However, if you wish to apply for a home loans at SBI you can do the same by reaching out to the bank by calling their toll free number, which is mentioned on the official SBI Bank website.

Factors Affecting SBI Home Loan Eligibility

SBI Housing loan eligibility is generally determined by the borrower’s income and ability to repay the loan. Age, financial situation, credit history, credit score, and other financial responsibilities are all factors that may affect home loan eligibility.

Factors that might affect your home loan eligibility include:


Your age has a significant impact on your home loan eligibility and repayment capabilities. The lower your age, the longer you’ll have to repay the loan, and thus the greater the home loans amount you’ll be eligible for. At the beginning of your loan tenure, the lowest SBI house loan age limit is 10 years, and the maximum age limit is 70 years. SBI provides home loans for a maximum tenure of 30 years, with the restriction that the borrower’s age at the end of the term should not be more than 70 years.

Net Monthly Income

 Your income gives a brief idea about your lifestyle and how you manage your everyday expenses. Based on your way of living, your net monthly income determines how much SBI home loans EMI you are capable of paying after meeting all living expenditures.


SBI will look at whether you are salaried or self-employed, as well as the company and industry in which you work. It will also look at your years of experience to see if you have a stable job and income. For paid persons, SBI demands a minimum income history and work stability of more than two years, and for self-employed individuals, a minimum of five years is required.

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