Most banks offer up to 75-90% of the property value as loan (depending on property type and location). The actual amount is determined by your repayment capacity, typically calculated as EMI not exceeding 40-50% of your monthly income.

Most banks offer home loan tenures up to 30 years, with maximum age at loan maturity typically 70-75 years. Longer tenures reduce EMI but increase total interest paid.

As of 2023, home loan interest rates range from 8.5% to 12% p.a. depending on: Loan amount (higher amounts may get better rates), borrower profile (salaried/self-employed), credit score, and whether you choose fixed or floating rate.

Most banks offer personal loans from ₹50,000 to ₹40 lakhs, typically up to 24 times your monthly income. The exact amount depends on your income, credit score, existing obligations, and employer reputation (for salaried individuals).

For pre-approved customers with complete documentation, disbursal can happen within 24 hours. For new customers, the process typically takes 2-7 working days after document submission and verification.

Most banks require a minimum CIBIL score of 650-750. Some NBFCs may offer loans with scores as low as 600 but at higher interest rates (18-30% p.a.). Improving your score before applying is recommended for better terms.

Processing times vary: Personal loans (1-7 days), Home loans (7-15 days), Gold loans (same day to 3 days). Delays often occur due to incomplete documentation or verification issues.

Common reasons include: Low credit score, high existing debt, unstable income, incomplete documentation, mismatched information, or insufficient collateral (for secured loans). You can request the bank for specific rejection reasons.

Yes, but multiple loan applications within short periods can negatively impact your credit score. It's better to space out applications by at least 3-6 months or apply with different lenders within 14-45 days (counted as single inquiry by credit bureaus).

Consequences include: Late payment fees (2-3% of EMI), negative impact on credit score (up to 100 points drop), possible higher interest rates on future loans, and in severe cases (90+ days overdue), legal action or asset seizure (for secured loans). Contact your lender immediately if you anticipate payment difficulty.

Some lenders allow EMI restructuring (increase/decrease) with processing fees. Options may include: Increasing EMI to reduce tenure, decreasing EMI by extending tenure (within maximum limits), or converting to step-up/step-down EMIs. Terms vary by lender.

Methods include: Lender's internet banking/mobile app, SMS alerts, visiting branch, calling customer care, or checking CIBIL report (shows all active loans). Most lenders provide amortization schedules showing principal/interest breakup.