A salaried person can access various loans, including personal loans, home loans, car loans, education loans, and gold loans. Personal loans are unsecured and ideal for urgent expenses, while home and car loans are secured, offering lower interest rates for property or vehicle purchases. Education loans support higher studies, and gold loans provide quick funds against gold jewelry. Eligibility depends on income, credit score, and employment stability, with banks and NBFCs offering tailored options.

There is no strict maximum salary limit for a salaried person to be eligible for loans like personal, home, or car loans, as eligibility primarily depends on factors like income, credit score, debt-to-income ratio, and repayment capacity. However, lenders may cap loan amounts based on income multiples (e.g., 15-30 times monthly salary for personal loans) or fixed obligation-to-income ratios (typically 40-55%). Higher salaries generally increase loan eligibility, but excessive existing debts or poor credit can restrict approval, regardless of income

 To get a loan, a salaried person typically needs to be at least 21 years old, with most lenders setting the upper age limit around 60-65 years at the time of loan maturity. This varies by lender and loan type, with banks often requiring applicants to be within this age range to ensure repayment capacity during their working years.