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Home Loan

Home Loan Features

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Attractive

Interest Rates

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Minimal

Documentation

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30 Years of

Tenure

Features and Benefits of our Home Loan

A vast array of institutions offer you the best home loan rates at the most competitive rates and affordable EMIs.

  • Home Construction Loan: If you have a plot of land and lack financial support to construct a home on that piece of property, you may choose a house construction loan. Such borrowing is mainly made to construct or repair a major part of your home.
  • Home Extension Loan: Should you already own a home, and feel the need to extend the building, add an annexe, or build another floor, etc., Home Extension Loan is your go-to option that finances such needs.
  • Home Improvement Loan: All of us wish to improve and upgrade our homes for a better life. From your old-age furniture, fixtures to faulty lightning systems, Home Improvement Loan funds all your plans.
  • NRI Home Loan: If you are a patriot, a Non-Resident Indian, and wish to own residential property in India, NRI Home Loan is your answer. Though the formalities for application may be a little different.

Home Loan Eligibility and Documents

Read on to know the criteria required to apply for our Home Loan.

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Home Loan Eligibility

To qualify for a personal loan, you have to meet certain criteria. Below are the important factors that lenders take into consideration to decide your eligibility for a personal loan.

Age:

  •  You must be above 21 years of age at the time of the commencing of your loan, and up to 65 years or less at loan maturity
  • Salaried Person - 21 years to 58 years
  • Self-Employed Person - 25 years to 65 years

Income:

  • Salaried Person - Minimum Rs. 10,000 per month
  • Self-Employed Person - Minimum Rs. 2,00,000 per year

Income:

  • Salaried Person - Minimum Rs. 10,000 per month
  • Self-Employed Person - Minimum Rs. 2,00,000 per year

Employment:

  • Salaried Person - Minimum 2 to 3 years of Experience in MNC, or a Private or Public Limited Company
  • Self-Employed Person - Minimum 3 years of Experience in the current field

Credit Score:

  • Salaried Person - Minimum 2 to 3 years of Experience in MNC, or a Private or Public Limited Company

Home Loan​​​​​​​ FAQs

A home loan is a loan used to buy a home. It is repaid over 15 to 30 years and is secured by the property being purchased. If the borrower fails to repay, the lender can take possession of the property.

To qualify for a home loan, you typically need a good credit score (usually above 620), a steady income, and a low debt-to-income ratio. Lenders also consider your employment history. If you meet all of the lenders perimeters than you are.

Yes, you can usually prepay your home loan in two ways such as full prepayment and part prepayment. If you have the remaining principle amount availabe with then you can fully pay the amount and close the loan or the payment also can be made in parts and the principle will be reduced by the same amount.

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