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With a salary of ₹20k, getting a home loan from Tier-1 banks (like HDFC/SBI) can be challenging as the minimum requirement is often ₹25k-₹30k. **Strategy for You:** 1. **Add a Co-applicant:** Adding a spouse or parent with income can double your eligibility. 2. **Try Affordable Housing Finance Companies (AHFCs):** Companies like Aadhar Housing or Aavas specialize in loans for this salary bracket. 3. **PMAY Scheme:** You are highly eligible for the PMAY subsidy which can save you up to ₹2.67 Lakhs.
