The loan amount is determined by assessing your repaying capacity with reference to your income documents and other factors such as the profile of the employer, stability of your business, number of dependents, credit history and the position of your assets and liabilities.

To enhance your repaying capacity, you can get your earning spouse to join the loan application, even if the spouse is not a co-owner of the property. Alternatively, you can furnish collateral of additional securities like India Millenium Deposits (IMDs), deposits with ICICI Bank, LIC policies which have acquired surrender value etc. to enhance your loan entitlement.