" Factors Affecting Finance Home Loan " amount d epends on various factors enlisted below : Age: Age group between 35-50 is generally preferred by most of the banks as the earning capacity and repayment tendency is most as observed in this age group CIBIL Score: Score above 750 is considered very good. Previous repayment and bounces also pays high contribution towards CIBIL score maintenance. Nature of business: Government employees and other professional jobs such as doctors and chartered accountant are offered lower rate of interest due to their high stable jobs and balanced cash flow Vs monthly earnings. Bank Internal customer: The customer, who is holding a bank account for a longer term, is offered a lower rate of interest. Co-applicant: If the co-applicant is working, the income of both the applicants will be considered to determine the capacity. Geographical Area Ceiling: Funding outside c...