Loan Credit Policies & Eligibility Rules
Explore lending policy rules used by banks and NBFCs including LTV limits, FOIR thresholds, credit score requirements and income eligibility.
Loan Policy Categories
Browse credit policy guides by loan product.
Housing Loan
Home loan LTV, FOIR, income and property eligibility rules used by banks and NBFCs.
Loan Against Property
LAP eligibility, LTV limits and documentation requirements.
Personal Loan
Income, FOIR and credit score criteria for unsecured personal loans.
Business Loan
Business loan underwriting, turnover and tenure rules.
Vehicle Loan
Auto loan LTV, tenure and income eligibility.
Gold Loan
Gold loan LTV, valuation and tenure norms.
Education Loan
Education loan eligibility and margin rules.
MSME Loan
MSME lending criteria and collateral requirements.
Construction Finance
Construction and project finance eligibility.
Working Capital Loan
Working capital limits and assessment norms.
Common Credit Policy Topics
Key concepts and rules used in lending decisions.
Loan to Value (LTV)
LTV limits and how they affect loan eligibility.
FOIR meaning
Fixed Obligation to Income Ratio and typical limits.
Minimum CIBIL score
Credit score requirements across loan products.
Income requirements
Minimum income and documentation norms.
Loan tenure rules
Maximum tenure and age criteria.
Property eligibility
Property types and location norms.
Popular Eligibility Scenarios
Example borrower scenarios you can evaluate with the AI copilot.
Home loan eligibility for ₹50k salary
Check if a ₹50,000 monthly income meets typical home loan criteria.
Featured Policy Guides
In-depth guides on eligibility and underwriting rules.
Housing Loan Credit Policy Guide
LTV, FOIR, income and credit score rules for this product.
Loan Against Property Eligibility Guide
LTV, FOIR, income and credit score rules for this product.
Personal Loan Credit Policy
LTV, FOIR, income and credit score rules for this product.
Business Loan Underwriting Rules
LTV, FOIR, income and credit score rules for this product.
Check Loan Eligibility Instantly with AI
Ask credit policy questions or evaluate loan eligibility scenarios in seconds using AI Credit Policy Copilot.