Guru Mahadev Real Estate Pvt. Ltd.

Getting a home loan on a low salary might seem challenging, but with the right planning and documents, it’s absolutely possible. Here’s a step-by-step explanation with important tips to help you secure your dream home. ✅ 1. Know Your Loan Eligibility Banks calculate eligibility based on income, age, liabilities, and CIBIL score. Generally, 40-50% of your monthly salary can go into EMI. On a ₹25,000/month salary, you can get a loan of approx ₹12–15 lakhs (with 15–20 years tenure). ✅ 2. Improve Your CIBIL Score A CIBIL score above 700 increases your chances. Pay credit card bills and existing EMIs on time. Avoid loan defaults or bounced cheques. ✅ 3. Opt for a Joint Loan Add a co-applicant like a spouse or parent with income. This boosts your eligibility and total sanctioned amount. ✅ 4. Look for PMAY Subsidy (Pradhan Mantri Awas Yojana) For low-income families, PMAY offers interest subsidies on home loans. Under the EWS or LIG category , salaried individuals get a subsidy up to...

Do you want to purchase a home in Delhi? The Delhi Development Authority (DDA) is providing budget-friendly apartments through its Shramik Awas Yojana, Special Housing Scheme, and Sabka Ghar Awas Yojana . Prices start at Rs 8 lakh, and a 25 percent discount is offered on certain flats. Registration has been started on January 15, 2025. The Delhi Development Authority (DDA) has been making flat bookings under three schemes: Shramik Awas Yojana, Special Housing Scheme, and Sabka Ghar Awas Yojana . The most encouraging part? This time the flats are being offered at a discount of 25 per cent. Under the Shramik Awas Yojana and Sabka Ghar Awas Yojana, flats will be sold on a first-come, first-served basis. Under the Special Awas Yojana, these flats will be acquired through e-auction. Reservation of these flats started on January 15, 2025, with a choice of categories ranging from EWS to HIG. Special Housing Scheme: Flats and prices Category: MIG (Middle-Income Group) Starting price: Rs ...