Getting the home loan amount you need starts long before you apply. Here are five practical ways to strengthen your eligibility:

1. Maintain a healthy credit score

A score above 750 unlocks the best rates. Pay EMIs and credit-card bills on time and keep credit utilisation low.

2. Add a co-applicant

Adding an earning spouse or parent increases the combined income considered for eligibility.

3. Clear existing debts

Lower outstanding EMIs improve your fixed-obligation-to-income ratio.

4. Opt for a longer tenure

A longer tenure reduces the EMI and can raise the eligible amount.

5. Declare all income sources

Rental income, bonuses and incentives all count when documented.