The 2026 Home-Loan Checklist for First-Time Buyers
Everything you need in order before you apply — credit score targets, documents, and how to compare offers without overpaying on interest.
Before you apply
A strong home-loan application starts months before you sign anything. Lenders look at your credit score, income stability, and existing obligations.
1. Know your numbers
Aim for a credit score above 750. Keep your EMI-to-income ratio under 40%. Use our EMI calculator to model scenarios.
2. Documents to keep ready
- PAN and Aadhaar
- Last 3 months' salary slips / 2 years' ITR
- 6 months' bank statements
- Property documents and the builder's RERA registration
3. Compare the real cost
Don't chase the headline rate. Compare processing fees, prepayment terms, and whether the rate is fixed or floating.
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