Home Loan
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Home Loan
Realize your dream of owning a home with our flexible home loan solutions. Whether you're buying a new house, constructing on your plot, or renovating your existing home, we offer competitive interest rates and long repayment tenures up to 30 years. Our home loans cover up to 90% of the property value, with special schemes for women borrowers and first-time home buyers. With transparent processing and minimal documentation, we make your home buying journey smooth and hassle-free.
Why Choose Our Home Loan?
Our home loans come with attractive features including floating interest rates starting from 8.40% p.a., no prepayment charges, and flexible EMI options. We offer loans for purchase, construction, extension, and renovation of residential properties. Special benefits include balance transfer facility, top-up loans, and interest concessions for women applicants. Our digital application process ensures quick sanction and disbursement, with dedicated relationship managers to guide you at every step.
- Loan amounts up to ₹10 crores based on property value
- Long repayment tenure up to 30 years
- Competitive interest rates starting at 8.40%
- Special discounts for women borrowers
With our completely transparent processing, you get no hidden charges and complete clarity on all fees and charges. We offer doorstep service for document collection and verification. Our online portal lets you track your application status and make payments conveniently. Special schemes are available for government employees, professionals, and corporate clients. We consider various income sources including rental income and foreign income for eligibility calculation.
Frequently Asked Questions
What are the eligibility criteria for a home loan?
To be eligible for a home loan, you should be between 21-65 years old with a minimum annual income of ₹3 lakh for salaried individuals or ₹2 lakh for self-employed applicants. The property should be in a recognized municipal area and construction should be approved by local authorities. Your EMI/NMI ratio should not exceed 50% of your net monthly income.
What documents are required for home loan application?
For salaried individuals: KYC documents, salary slips, bank statements, employment proof, and property documents. For self-employed: KYC documents, business proof, IT returns, bank statements, and property documents. Property documents include title deed, approved plan, NOC from society if applicable, and valuation report.
What is the processing time for home loan approval?
For complete applications with all required documents, approval can be received within 3-5 working days, subject to property verification and technical evaluation. Disbursement typically occurs within 7-10 days after approval, depending on construction stage for under-construction properties.
