ICICI home loans can be availed by both resident and non-resident Indians. Before applying for a home loan, it is important you check your credit profile by accessing it from credit bureaus or financial portals like CreditMantri for free. It helps you understand where you stand in terms of your credit score and credit rating. It is the first thing that any lender checks to know your creditworthiness. 

Apart from good credit score, you must be at least 21 years of age at the time of loan approval or 65 years at the time of loan maturity. You must be either a salaried employee or a self-employed individual with good repaying ability. You can have a co-applicant who should be minimum of 18 years of age.