Since it is a government scheme with a mindset of providing housing loans to maximum people, one can easily get the loan either for buying or even Home Improvement Loans. One should be eligible for it. The home renovation loan eligibility rules for the loan are not harsh. The only condition is that the person cannot take a double loan for a house. While applying for a loan, he/she needs to provide the Adhaar Card. Any adult working individual is treated as a separate household and can apply for the loan.