Why Choose a Home Loan?
Discover the Benefits!
A home loan is designed to help individuals fulfill their dream of owning a home or renovating their existing property. Here are some common reasons why people take home loans:
✔ Purchase a New Home: Finance the purchase of your dream home or apartment.
✔ Home Construction: Get funds to build your house from the ground up.
✔ Home Renovation: Finance home improvements, repairs, or extensions to enhance property value.
✔ Plot Purchase & Construction: Purchase land and finance the construction of a house on it.
✔ Balance Transfer: Transfer your existing home loan to another lender for better terms and lower interest rates.
✔ Top-up Loan: Avail additional loan on your existing home loan for renovations or other needs.
Features
• High Loan Amount: Get loans up to ₹10 Crores based on your income and property value.
• Attractive Interest Rates: Enjoy competitive interest rates to suit your financial plan.
• Flexible Tenure: Choose a repayment period of up to 30 years.
• Prepayment Facility: Pay off your loan early without hefty penalties.
• Balance Transfer Option: Shift your existing loan to lower your EMI burden.
Documentation
Personal
• Passport Photo / Selfie: Recent passport-sized photograph or a clear selfie.
• Identity Proof: PAN Card & Aadhaar Card.
• Address Proof: Utility bills or Passport.
Income Proof
• For Salaried: Salary slips, Form 16, and bank statements for the last 6 months.
• For Self-Employed: Last 2-3 years’ income tax returns, audited financials, and bank statements for the last 6-12 months.
Property Documents (After Loan Sanction)
• Sale Agreement or Allotment Letter: Proof of purchase or property allocation.
• Title Deed: Legal ownership document of the property.
• NOC from Builder or Society (if applicable): No Objection Certificate required from the builder or housing society.
• Legal Scrutiny: Bank conducts a legal check on the property to ensure clear and marketable title.
• Valuation Report: The bank will assess the property’s market value through its empaneled valuer.
• Registration and Stamping: The sale agreement and title deed need to be stamped and registered as per local laws.
• Tripartite Agreement (if applicable): For under-construction properties, an agreement between the buyer, builder, and bank may be required.
Why Process Through Us?
• Fast-track approvals with minimal documentation.
• Personalized assistance for finding the best home loan deals from banks.
• Transparent process with no hidden fees, serving as your trusted intermediary.
Ready to Apply?
Explore your home loan options today and make your dream home a reality with expert guidance!
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Calculator Disclaimer: The calculated repayment amount is an estimate for illustration only. Actual amounts may vary. Contact us for accurate details. This is not a quote, approval, or financial advice.