What Home Buyers Say

Trusted by thousands of home buyers across India

★★★★★

Loan Sarthak helped me secure my home loan at a competitive interest rate. The entire process felt smooth, transparent, and completely stress-free.

Amit Verma

Noida

★★★★★

As a first-time home buyer, I had several doubts. However, the team guided me step by step and ensured quick loan approval without delays.

Pooja Sharma

Jaipur

★★★★☆

Documentation was minimal, and moreover, I received the best home loan offer from a reputed bank. Highly recommended for hassle-free processing.

Rahul Mehta

Ahmedabad

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Home Loan for ₹18,000 Salary in India – Complete Guide (2026)

If your monthly salary is ₹18,000 and you want to buy a house, you may think it is not possible. However, that is not true. You can still get a home loan in India. The loan amount may be small, but approval is possible with proper planning.

Moreover, if you apply in the right way, your chances become much better.

At Loan Sarthak, we help salaried people with low income get home loan approval from suitable banks and finance companies.

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Can I Get a Home Loan on ₹18,000 Salary?

Yes, you can. However, banks follow a simple rule. They allow only 40% to 50% of your salary as EMI.

For example:

• Monthly Salary: ₹18,000
• Allowed EMI (45%): Around ₹8,000

Therefore, based on interest rate and tenure, your loan amount usually ranges between ₹7 lakh to ₹9 lakh.

However, if you already have other EMIs, your eligibility may reduce.

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How Loan Sarthak Helps You

Many people apply directly to banks. As a result, they get rejected. After that, their CIBIL score goes down.

Instead, you should first check eligibility.

At Loan Sarthak, we:

• First check your profile
• Then match you with suitable banks
• Help you prepare documents
• Guide you for PMAY subsidy
• Support you until approval

Because we work with multiple lenders, your approval chances improve.

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What Affects Your Approval?

Even if your salary is ₹18,000, banks check other things too.

1. Credit Score

If your CIBIL score is above 700, approval becomes easier. Therefore, always pay your EMIs on time.

2. Job Stability

If you are working for more than 1 year in the same company, banks feel more confident.

3. Existing Loans

If you have personal loans or credit card dues, eligibility reduces. So, try to close small loans first.

4. Co-Applicant

If your spouse or parent earns income, you can apply together. As a result, your total loan amount may increase.

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EMI Example

Let us understand with a simple example.

• Loan Amount: ₹8,00,000
• Interest Rate: 9%
• Tenure: 20 Years

Your EMI will be around ₹7,200.

Therefore, it fits safely within ₹18,000 salary range.

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Government Scheme – PMAY Benefit

If your yearly income is below ₹6 lakh, you may qualify under PMAY scheme.

Under this scheme:

• You get interest subsidy
• Your EMI becomes lower
• Your total burden reduces

Moreover, Loan Sarthak also helps eligible customers apply for PMAY benefits.

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Why Choose Loan Sarthak?

Getting a home loan with low salary is not easy. However, with proper guidance, it becomes possible.

We help in:

• Low salary home loan cases
• Balance transfer
• Loan against property
• CIBIL improvement support
• Subsidy assistance

Because we check your profile first, you avoid unnecessary rejection.

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Who Can Apply?

You can apply if:

• Your salary is ₹15,000 to ₹25,000
• Your CIBIL score is 650 or above
• You are a salaried employee
• You want ₹5–₹10 lakh home loan

Even if your case is slightly difficult, we try to find a workable solution.

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Apply Now – Free Eligibility Check

Instead of applying blindly, first check your eligibility.

At Loan Sarthak, we offer:

• Free profile check
• Quick processing
• Multiple bank comparison
• Full support until approval

Therefore, if you earn ₹18,000 salary and want a home loan, contact us today and take the first step toward your own house.