Kotak Mahindra home loans are available for salaried individuals, self-employed professionals and also for self-employed non-professionals. Loans can be sought by individuals, either solely or jointly. A salaried employee must be at least 21 years of age at the time of application and not be more than 60 years of age at loan maturity. Alongside, they are required to have a minimum gross annual income of Rs. 1.44 lakh.
For self-employed professionals and non-professionals, this minimum age is 21 years while the maximum age is 65 years. As far as the minimum annual income for individuals of both these categories is concerned, it should not be less than Rs. 1.44 lakh as per the Profit and Loss Account. The firm or company, the borrower is running, must have been in operation for the last three years and making profits for the last two years. | 
