SBI Home Loan ₹40 Lakh: Salary Eligibility, EMI Calculation & Full Guide 2026

SBI home loan ₹40 lakh lene ke liye kitni salary chahiye? EMI kitni hogi, kab se deni hoti hai, interest rate, eligibility, documents aur FAQ – sab kuch detail me jaane.

Introduction – SBI Home Loan

Aaj ke time me apna ghar kharidna har middle-class family ka sapna hota hai. Agar aap State Bank of India (SBI) se ₹40 lakh ka home loan lene ka plan bana rahe hain, to sabse pehla sawal hota hai:

👉 “Mujhe kitni salary chahiye?”
👉 “EMI kab se deni hoti hai?”

Is article me hum SBI home loan ke baare me salary eligibility, EMI calculation, interest rate, loan tenure, documents, aur complete process ko simple Hinglish me samjhayenge.

---

SBI Home Loan Kya Hai?

SBI home loan ek secured loan hai jo SBI bank ghar kharidne, banane ya repair karne ke liye deta hai. Iska interest rate comparatively low hota hai aur tenure lamba (30 saal tak) milta hai.

---

₹40 Lakh SBI Home Loan ke Liye Kitni Salary Chahiye?

Basic Rule (Thumb Rule)

SBI generally aapki net monthly income ka 50–60% tak EMI allow karta hai.

Example Calculation

Agar aap ₹40 lakh ka loan lete hain:

• Interest Rate (Approx): 9% per annum

• Tenure: 20 saal (240 months)

➡️ Estimated EMI: ₹36,000 – ₹37,000 per month

Required Salary Calculation

Bank rule ke hisaab se:

• EMI = Maximum 50% of Net Salary

👉 Agar EMI ₹37,000 hai
👉 To Minimum Salary ≈ ₹70,000 – ₹75,000 per month

Salary Requirement Summary

📌 Note: Agar co-applicant (wife/husband) ki income add hoti hai to required salary kam ho sakti hai.

---

SBI Home Loan EMI Kab Se Deni Hoti Hai?

EMI Start Hone ke 2 Options Hote Hain

1️⃣ Pre-EMI

• Jab loan amount part-wise disburse hota hai (under-construction property)

• Sirf interest portion pay karna hota hai

• EMI kam hoti hai

2️⃣ Full EMI

• Jab poora loan amount disburse ho jata hai

• Principal + Interest dono dena hota hai

• Mostly 1 month baad EMI start hoti hai

👉 Ready-to-move house me direct full EMI start hoti hai.

Home Loan Kaise Milta Hai? 2026 Me Interest Rate, Eligibility, Process – Complete Guide

---

SBI Home Loan Interest Rate (2026 – Approx)

📌 Interest rate aapke CIBIL score, income aur profile par depend karta hai.

CIBIL Score Check

---

SBI Home Loan Tenure

• Minimum: 5 saal

• Maximum: 30 saal

• Longer tenure = EMI kam

• Short tenure = Interest kam

---

SBI Home Loan Eligibility Criteria

Salaried Person

✔️ Age: 21 – 60 years
✔️ Minimum 2 years job experience
✔️ Stable income
✔️ CIBIL Score: 750+ preferred

Self-Employed

✔️ Business vintage: 3 years
✔️ ITR & turnover proof
✔️ Stable income

---

Required Documents for SBI Home Loan

Identity Proof

• Aadhaar Card

• PAN Card

Income Proof

• Last 6 months salary slip

• 6 months bank statement

• Form 16 / ITR

Property Documents

• Sale Agreement

• Approved Building Plan

• Property Chain Documents

---

₹40 Lakh SBI Home Loan EMI Table (Approx)

👉 Tip: Agar salary thodi kam hai to tenure badha kar EMI manage ki ja sakti hai.

---

SBI Home Loan Apply Kaise Kare?

Online Process

1️⃣ SBI official website par jaaye
2️⃣ “Apply Home Loan” par click kare
3️⃣ Basic details bhare
4️⃣ Documents upload kare
5️⃣ Bank verification ke baad approval

Offline Process

• Nearest SBI branch visit kare

• Home loan officer se baat kare

• Documents submit kare

---

SBI Home Loan Ke Fayde

✅ Lowest interest rate
✅ Zero/low processing fee (offers ke time)
✅ No prepayment penalty
✅ Long tenure up to 30 years
✅ Government bank security

HDFC Home Loan Guide 2026: Apne Sapno ka Ghar Karein Sach!

---

FAQ – SBI Home Loan

Q1. SBI se ₹40 lakh home loan lene ke liye minimum salary kitni honi chahiye?

👉 Approx ₹70,000 – ₹75,000 per month.

Q2. EMI kab se start hoti hai?

👉 Loan disbursement ke 1 month baad EMI start hoti hai.

Q3. Kya co-applicant add kar sakte hain?

👉 Haan, spouse ko co-applicant bana kar loan amount badha sakte hain.

Q4. CIBIL score kitna hona chahiye?

👉 Minimum 700, best approval ke liye 750+.

Q5. Kya SBI home loan me prepayment charges lagte hain?

👉 Nahi, floating rate loan me prepayment free hota hai.

---

Disclaimer

Ye article sirf general information ke liye likha gaya hai. SBI home loan ki interest rate, eligibility aur EMI time ke saath change ho sakti hai. Final decision lene se pehle SBI branch ya official website se confirm zaroor kare.

Apply Now