Home loan eligibility depends on your:
- Income
- Age
- Credit history
- Pre-existing debt, etc.
Boost your credit score by paying all your credit card bills and EMIs on time.
Apply for a loan with an eligible co-borrower, as their income will also be considered while determining eligibility.
Choosing a longer loan term will increase eligibility. Remember, prepayment is always an option.
Try closing existing short-term loans or consolidating them into one.
Mention all side incomes like part-time jobs, rents, etc to show a higher repayment capacity.