To apply for a home loan, there are certain criteria that need to be met. Here are some key points to consider:

a. Age: The minimum age requirement is usually 21 years, and the maximum age is typically 60-65 years at the time of loan maturity. However, some lenders may have different age requirements.

b. Employment and Income: Lenders will assess your employment stability and income to determine your loan eligibility. Typically, you should have a stable job or business with a regular source of income.

c. Credit Score: A good credit score is important to qualify for a home loan. Lenders will check your credit history to evaluate your creditworthiness and repayment capability.

d. Down Payment: While a down payment is not mandatory, it is advisable to make a down payment to reduce the loan amount and the subsequent EMIs.

e. Property Documents: You need to provide the necessary property documents, such as sale deed, title deed, and property tax receipts, to complete the loan application process.

f. Loan Amount: The loan amount you are eligible for depends on various factors like your income, repayment capacity, credit score, and the value of the property.

g. Loan Tenure: The loan tenure varies from lender to lender. It can range from 5 to 30 years, depending on your preference and eligibility.

h. Interest Rate: The interest rate on home loans can be fixed or floating. It is advisable to compare rates from different lenders to get the best possible deal.

i. Documentation: You will be required to submit certain documents, including identity proof, address proof, income proof (salary slips, bank statements), and property documents.

j. Loan Repayment: You will need to repay the loan through Equated Monthly Installments (EMIs) for the chosen tenure. Timely repayment is crucial to maintain a good credit score.

It is important to thoroughly research and compare different lenders, their interest rates, loan terms, and additional charges before finalizing a home loan. Seek expert advice if needed, and ensure you understand all the terms and conditions before signing the loan agreement.