I came across this question several times: how to get a house loan at 18. So, let me tell you, in India, getting a housing loan at 18 years is generally not possible. It is because most banks require applicants to be at least 21 years old at the commencement of the home loan. But, at the age of 18, you can still get a housing loan following the tips I shared below.
How can I Get a Home Loan at 18?
There’s a viable route to get a housing loan at 18, i.e., co-applicant inclusion. The bank allows a co-applicant aged 18 to 65 to join the loan application, typically a parent, sibling, or spouse. This means an 18-year-old cannot apply on their own but can be a co-applicant, sharing financial responsibility.
This joint application serves two key purposes:
It pools finances and creditworthiness together, thereby increasing loan eligibility and loan quantum.
It secures future repayment accountability, since both co-borrowers are equally liable for EMIs.
To proceed, ensure the primary borrower meets all other bank criteria, such as income stability, CIBIL score, and document requirements.
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How to Get a House Loan at 18?
shivam
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2025-07-11T07:35:05+00:00 2025-07-31T14:20:58+00:00Comment
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