Home Loans for Women

Kishan Thakkar K


We often overlook the cost-saving opportunity when negotiating rates of interest for home loans and processing fees. The major concerns of every home loan borrower are being able to take out a larger loan amount so one can afford their dream home. By taking certain steps, one can reduce these concerns to a certain extent along with enjoying a variety of other benefits. 

Home loans for women can solve the concerns.

Many women are now able to contribute financially to home loans. A home loan for women offers many advantages. Let’s look at some of them.


  • Higher Loan Eligibility.
  • Income Tax Benefit
  • Lower Stamp Duty
  • Higher Chances of Home Loan Approval
  • Pradhan Mantri Awas Yojana (PMAY): A government subsidy of up to Rs. 2.67 lakhs can be obtained on the principal amount of the home loan.

Home Loan for Women Eligibility

  • She should be a Citizen of India
  • Her age should be above 20 years and below 60 years
  • She should have work experience of a minimum of two years
  • Credit Score should be 650 or above
  • Monthly family income of Rs. 15,000 or more

A woman’s participation in a home loan application or co-borrowing not only reduces the burden of EMIs on an individual, but marks a significant step towards women’s empowerment as well.

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