HOME LOANS FOR SELF EMPLOYED A Home is a place of serenity and happiness. A House has always been a dream of every individual and it has been only a dream for many as it involves a huge cost and financially people requires a strong base. The home loan has always been provided only to the fixed income segment whereas the variable income segment always had a lesser side for the loans. In particular a country like India, who have a huge population wherein only 7% of the labour force is organised and the rest of it fall in the category of unorganised sector. Most of the Indian labour forces are self -employed who run small shops, cottage business. The financial institutions were always hesitant about providing loans to this segment. But this segment had a huge potential which remained untapped. Thus, to get a home loan is been very difficult proposition for the segment which had a variable income. But now the scenario is changed, the loans can be availed even by the self-employed. Various financial institutions provide home loans tailored for the needs of the self-employed people. It’s now easier for the self-employed segment to purchase or refinance their home or investment property. The paper work is easy and the institutions provide faster processing of the loans.