Buying your own house requires a lot of financial commitment, especially if you want to buy a house in a metro city. However, to get a Kotak home loan, you must meet some eligibility criteria. These are: Age: 18 to 60 years for the salaried applicant and 18 to 65 years for self-employed applicant Minimum qualification: A Bachelor’s Degree is a must for an applicant employed in a private sector firm Credit Score: Minimum 750 Minimum income: Rs. 20,000 for residents of Delhi, Bangalore, Pune, Chennai, and Mumbai and Rs. 15,000 for other cities