HDFC evaluates eligibility based on repayment ability and risk, not just the property type. For all applicants:
Age: Generally between 21 and 65 years during repayment period.
Income & Stability: Salaried or self-employed with steady income. Salaried applicants usually need at least 2 years of total work experience (with ≥ 6 months at the current job); self-employed typically need 3 years of business continuity.
Credit Profile: A higher credit score strengthens your eligibility, lenders typically want 700+ for risk assets like B Khata.
Debt Service Capability: Lenders check that your EMIs (including the new home loan) don’t erode too much of your monthly income.
These criteria apply whether the property has A Khata, E Khata, or B Khata the creditworthiness rim doesn’t change. What does change is how the lender views the property as collateral. B Khata properties are legally weaker than A/E Khata in Bangalore municipal records. As a result:
Higher down payment: Expect banks to require a larger own contribution (often 30 to 40%+ of value instead of 10 to 20%).
More stringent valuation: The bank will deeply scrutinise title, approvals, and assess resale/liquidation risk. If they don’t trust the title, they might refuse your application outright.
Reduced Loan-to-Value (LTV): Even if approved, the percentage of property value financed may be lower than standard norms.
I hope this helps!
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What Are The Eligibility Rules For HDFC Home Loan For B Khata Bangalore?
Ram46
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2026-01-29T18:47:22+00:00 2026-01-29T18:47:26+00:00Comment
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