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Owning a home is a cherished dream for many. Our Home Loan service enables you to turn that dream into a reality. Whether you're purchasing a new home or refinancing your existing property, our dedicated team will guide you through the entire process, offering competitive interest rates, flexible repayment terms, and personalized assistance to make your homeownership journey smooth and affordable.

Features of Home Loan

Home loans are vital financial tools that enable individuals and families to achieve their dream of homeownership. These loans offer a range of features and benefits that make the home buying process more accessible and affordable. With favorable interest rates and flexible repayment terms, home loans provide the necessary funds to purchase residential properties. Lenders consider factors such as credit history, income stability, and property appraisal to determine loan eligibility and amount.

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Home Loan Interest Rates

Eligibility Criteria

  • You must be a Salaried Employee
  • Age: 23-55 years old
  • Net Monthly Income must be more than Rs. 20,000.
  • No defaults in the last 24 months.
  • You must be residing in Delhi/NCR, Bangalore, Pune, Chennai,Mumbai or Hyderabad.

What does a Home loan cover?

Documents Required after Digital Approval

  • Aadhaar Card
  • PAN Card
  • 4 Cheques from your Salary Account
  • Current Address Proof
  • Permanent Address Proof (in case the permanent address is different from the address on Aadhaar card)

A home loan, also known as a mortgage, is a type of loan specifically designed to assist individuals in purchasing or refinancing a home. The coverage of a home loan typically includes:

It's important to note that the coverage of a home loan may vary depending on the lender, loan type, and local regulations. It's advisable to consult with lenders or financial institutions to understand the specific loan options available and the purposes they cover for your particular home financing needs.

Types of loans

Personal Loan

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Personal Loan

Buisness Loan

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Buisness Loan

Home Loan

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Home Loan

Mortgage

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Mortgage

Cash Credit

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Cash Credit

Gram Panchayat/Gavthan Property Loans

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Gram Panchayat/Gavthan Property Loans

FAQs

What is a Home Loan?

A Home Loan, also known as a Mortgage Loan, is a type of loan specifically designed to help individuals purchase or construct a residential property. It is a long-term secured loan where the property itself serves as collateral. Home Loans provide borrowers with the necessary funds to fulfill their dream of owning a home, which is repaid in installments over an extended period, usually ranging from 10 to 30 years.

Eligibility criteria for Home Loans can vary among lenders. However, common factors considered include your income, employment stability, credit score, age, and the value of the property being financed. Lenders may also consider your repayment capacity, existing debts, and other financial obligations. Providing the necessary documents such as income proof, identity proof, address proof, property documents, and bank statements is essential to meet the eligibility requirements.

The loan amount you can get for a Home Loan depends on several factors, including your income, repayment capacity, creditworthiness, and the value of the property. Typically, lenders offer Home Loans ranging from 75% to 90% of the property's value. It is important to assess your financial situation and borrowing capacity to determine the loan amount you can comfortably afford and repay.

Home Loan interest rates can vary based on factors such as the lender, loan amount, tenure, and prevailing market conditions. Interest rates can be fixed or floating. It is advisable to compare interest rates from different lenders to find the best deal. Additionally, factors such as your credit score, loan-to-value ratio, and relationship with the lender can influence the interest rate offered to you.

The repayment tenure for a Home Loan can typically range from 10 to 30 years, depending on the lender and your preference. The tenure can be chosen based on your financial goals and repayment capacity. A longer tenure reduces the monthly installments but increases the overall interest paid, while a shorter tenure results in higher monthly payments but reduces the interest burden over time. It is important to consider your financial capabilities and choose a tenure that suits your needs.