How do banks decide the housing loan tenure. Depending on the age of the customer, his housing loan tenure is decided. If his age is high, his housing loan's tenure will decrease, Example if his age 50 Years, housing Loan tenure can come from 15 years to 20 years. Similarly if his age is very short then his housing loan tenure increase, If his age is below 40 years, his housing loan tenure will be 20 years to 30 years. You may have any CIBIL problem, we will process the plot loan for you even in such time. we do not take any money or consultant fee in advance; we will take consultant fee only after your mortgage loan disbursement. we are arranging home loans, mortgage loans, loan against plot in Hyderabad.