You need to approach a Housing Finance Company (HFC) / Bank with the latest salary slip and other relevant documents of yourself and your co-applicant, if any. The concerned officer of HFC/Bank after going through the details of the documents will informally tell you the loan amount you are eligible for and the terms of the same. Thereupon, you need to submit the prescribed application form along with the necessary documents. On receipt of the application form, the HFC/bank examines it, seeks clarification wherever necessary and conveys its decision to you. You are advised to visit more than one Housing Finance Company / bank since you are likely to get better terms/ larger loan amount at the discretion of the bank.