Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Loan typeHousing loan for purchase or construction of a first/other home, eligible site-plus-construction, and repair or renovation in metro and urban centres.View source
Canara lists the home, construction, site-plus-construction and repair purposes.
- Source
- Canara Apna Ghar
- Page / section
- Purpose; Benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
Interest rateRLLR 8.00% plus CRG-based premium: effective 8.75% for CIC score above 750, 9.00% for CIC 681–750 or no history, and 9.25% for CIC 680 or below.View source
The current table publishes the 8.00% benchmark and three -score premiums/effective rates.
- Source
- Retail Lending Rates Linked to
- Page / section
- Housing Loan — minimal/nil income proof
- Accessed
- 30 Aug 2026
- Confidence
- high
BenchmarkRLLR (Retail Lending Rate) of 8.00% in the reviewed table, plus a CIC-score-based credit-risk premium.View source
Canara labels the scheme row with and credit-risk-premium columns.
- Source
- Retail Lending Rates Linked to
- Page / section
- Housing Loan — minimal/nil income proof
- Accessed
- 30 Aug 2026
- Confidence
- high
APRNot published as a separate APR on the reviewed product page or rate table.View source
The page and linked rate table provide interest rates but no disclosure.
- Source
- Canara Apna Ghar
- Page / section
- Complete page
- Accessed
- 30 Aug 2026
- Confidence
- high
Minimum incomeNo salary minimum is published. Total annual income of the applicant(s), up to four borrowers, must not exceed ₹9 lakh; EMI/
The scheme publishes an income ceiling and repayment-ratio bands, not a minimum salary.
- Source
- Canara Apna Ghar
- Page / section
- / Ratio; Annual income
- Accessed
- 30 Aug 2026
- Confidence
- high
Maximum amountHome loan up to ₹35 lakh in metro cities subject to ₹45 lakh project cost; up to ₹25 lakh in other cities subject to ₹30 lakh project cost. Repairs/
The official quantum section gives city-specific loan and project-cost ceilings and repair limits.
- Source
- Canara Apna Ghar
- Page / section
- Loan Quantum
- Accessed
- 30 Aug 2026
- Confidence
- high
TenureMaximum 25 years (300 months), subject to full repayment before the youngest earning borrower reaches age 70.View source
The repayment section states 25 years/300 months and the age-at-maturity condition.
- Source
- Canara Apna Ghar
- Page / section
- Repayment Tenure
- Accessed
- 30 Aug 2026
- Confidence
- high
Processing feeProcessing charges are waived for loans sanctioned under the scheme.View source
The official processing-charge row says charges are waived.
- Source
- Canara Apna Ghar
- Page / section
- Processing Charges
- Accessed
- 30 Aug 2026
- Confidence
- high
Prepayment / foreclosureNo prepayment penalty.View source
The official benefits list states no prepayment penalty.
- Source
- Canara Apna Ghar
- Page / section
- Benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
Benefits and features
- Purchase or construct a home or eligible site-plus-construction
- Repairs or renovation up to ₹10 lakh in metro centres and ₹6 lakh elsewhere
- Home loan up to ₹35 lakh in metros or ₹25 lakh in other cities
- Project-cost ceilings of ₹45 lakh in metros and ₹30 lakh elsewhere
- Processing charges waived
- Up to 25 years, subject to repayment before youngest earning borrower reaches 70
- No prepayment penalty
- Loans up to ₹20 lakh for a first home may qualify for low-income credit guarantee cover
Eligibility
- Borrower entry age is 21 and maximum age 60. A satisfactorily maintained bank account or transaction history for at least 24 months is required. score must be at least 650. Total annual income of up to four applicant/
co-borrowers must not exceed ₹9 lakh; maximum four co-borrowers may be spouse and earning children.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Application with two passport photographs; , , identity, residence and age proof
- Evidence of bank/ activity and source of income or economic activity
- Construction, ready-house or flat documents including 13-year title/
link chain, encumbrance, khata, tax receipts, approved/ sanctioned plans, completion/ occupancy documents and sale agreement - Society, builder, housing-board, lease, NOC and property-register documents where applicable
Related official documents
Canara Apna Ghar — Housing Loan with Minimal or Nil Income Proofofficial-product-page · current · accessed 30 Aug 2026
↗Canara retail lending rates linked to RLLR and fixed ratesofficial-rate-table · current · accessed 30 Aug 2026
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