What is the maximum amount a home loan borrower can borrow? 

Home loans generally provided are in the range of 75%-85% of the asset value. The amount of loan varies from one institution to another and the maximum loan amount may vary from Rs.1 lakh to Rs.1 crore. The primary concern of the HFCs in determining the loan eligibility is that you are comfortably able to repay the amount you borrow. Your repayment capacity is determined by taking into consideration factors such as income, age, qualifications, number of dependants, spouse's income, assets, liabilities, stability and continuity of occupation and savings history, etc.