{"id":325,"date":"2025-07-21T12:45:10","date_gmt":"2025-07-21T12:45:10","guid":{"rendered":"https:\/\/easyhomefinance.in\/knowledge-hub\/?p=325"},"modified":"2025-07-30T12:38:15","modified_gmt":"2025-07-30T12:38:15","slug":"common-home-loan-myths-debunked-what-you-should-really-know","status":"publish","type":"post","link":"https:\/\/easyhomefinance.in\/knowledge-hub\/common-home-loan-myths-debunked-what-you-should-really-know\/","title":{"rendered":"Common Home Loan Myths Debunked: What You Should Really Know"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Thinking about buying a home but unsure if you\u2019ll get a home loan?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Maybe someone told you:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cYou need a big salary to apply for a home loan.\u201d<br>\u201cOnly banks give home loans.\u201d<br>\u201cIf your credit score isn\u2019t perfect, forget it.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These are common <strong>home loan myths<\/strong> \u2014 and most of them are <strong>not true<\/strong> anymore.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this blog, we\u2019ll break down the most popular <strong>misconceptions about home loans in India<\/strong> \u2014 and help you understand the truth in simple words.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Myth 1: \u201cYou need a high salary for home loan approval\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Truth:<\/strong> You don\u2019t need a huge salary to apply for a home loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lenders check your income, expenses, and how much EMI you can afford. Even if your salary is \u20b925,000 or \u20b930,000 per month, you can still get a home loan \u2014 as long as your EMI fits within your income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>At what salary can I get a home loan?<\/em> It depends on your EMI capacity. Try a free eligibility check with <strong>Easy Home Finance<\/strong> \u2014 no paperwork needed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Myth 2: \u201cOnly banks offer home loans\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Truth:<\/strong> This is a big myth.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Today, <strong>NBFCs (Non-Banking Financial Companies)<\/strong> also offer home loans. In fact, many people now prefer NBFCs because they:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Approve faster<\/li>\n\n\n\n<li>Have easier rules<\/li>\n\n\n\n<li>Offer paperless applications<\/li>\n\n\n\n<li>Are more friendly to self-employed people<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Are NBFCs safe for home loans?<\/em> Yes \u2014 if they\u2019re RBI and NHB approved, like <strong>Easy Home Finance<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Myth 3: \u201cYou need a perfect CIBIL score\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Truth:<\/strong> A perfect score is not required.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While a good CIBIL score helps, it\u2019s not the only thing lenders check. Some lenders also look at your job stability, income pattern, and bank records.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>CIBIL score myths?<\/em> You don\u2019t need 800+. Even 700+ is considered good by most lenders.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Myth 4: \u201cOnly salaried people get home loans\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Truth:<\/strong> Self-employed people can also get home loans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You don\u2019t need a salary slip. If you run a business, work as a freelancer, or own a shop, you can apply too \u2014 with documents like ITRs or bank statements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Is home loan only for salaried people?<\/em> No. Many NBFCs have special <strong>home loan options for self-employed<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Myth 5: \u201cYou can\u2019t get a home loan without a co-applicant\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Truth:<\/strong> You can apply for home loan on your own.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A co-applicant (like a spouse or parent) helps increase the loan amount \u2014 but is not mandatory. If your income is enough, you can get the loan solo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Can I get a home loan without a co-applicant?<\/em> Yes, absolutely.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Myth 6: \u201cYou must make a big down payment\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Truth:<\/strong> Not true anymore.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most lenders offer up to 90% of the home\u2019s cost. That means your <strong>home loan down payment<\/strong> can be as low as 10%. You don\u2019t need to save lakhs for years before applying.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many people are able to buy homes sooner than they thought \u2014 just by checking the latest <strong>affordable home loan options<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Myth 7: \u201cThe home loan process is slow and full of paperwork\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Truth:<\/strong> That used to be true \u2014 but not anymore.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Thanks to digital lenders like Easy Home Finance, the process is now:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Paperless<\/li>\n\n\n\n<li>Online<\/li>\n\n\n\n<li>Quick (sometimes within 24 hours)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Does home loan require a long process?<\/em> No \u2014 not with a <strong>paperless home loan NBFC<\/strong> like Easy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Final Thoughts: The Truth About Home Loans<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are many <strong>myths about home loans in India<\/strong>, but now you know the facts. Whether you\u2019re salaried or self-employed, have a high income or moderate one \u2014 you can explore your options confidently.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Home loan myths debunked<\/strong><br>You don\u2019t need a perfect credit score<br>&nbsp;You don\u2019t need to be rich<br>&nbsp;You don\u2019t have to visit a bank<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At <strong>Easy Home Finance<\/strong>, we make it simple to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Apply for home loan online<\/li>\n\n\n\n<li>Get <strong>instant home loan approval in India<\/strong><\/li>\n\n\n\n<li>Check eligibility in minutes<\/li>\n\n\n\n<li>Enjoy a paperless, stress-free experience<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Want to Get Started?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apply for a Home Loan with Easy Home Finance : <a href=\"https:\/\/easyhomefinance.in\/site\/apply\/\">https:\/\/easyhomefinance.in\/site\/apply<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Check Your Eligibility Instantly : <a href=\"https:\/\/easyhomefinance.in\/loan\">https:\/\/easyhomefinance.in\/loan<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Learn More About Our 100% Digital Process :<a href=\"https:\/\/www.easyhomefinance.in\/\"> https:\/\/www.easyhomefinance.in<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Thinking about buying a home but unsure if you\u2019ll get a home loan? Maybe someone told you: \u201cYou need a big salary to apply for a home loan.\u201d\u201cOnly banks give home loans.\u201d\u201cIf your credit score isn\u2019t perfect, forget it.\u201d These are common home loan myths \u2014 and most of them are not true anymore. In&#8230;<\/p>\n","protected":false},"author":1,"featured_media":442,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-325","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-loan-basics-introduction","article","has-background",false,"dark-theme-tfm-is-dark","has-excerpt","has-avatar","has-author","has-nickname","has-date","has-comment-count","has-category-meta","has-read-more","has-title","has-post-media","thumbnail-","cat-id-8"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"Thinking about buying a home but unsure if you\u2019ll get a home loan? 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