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We are here to assist you to achieve one of the biggest dream of your LIFE. Depending on your end-use, you can choose from a variety of Home Loans options:
• Fresh Home Loan
• Fresh Home Loan with Overdraft Facility
• Home Loan Balance Transfer
• Home Loans for Professionals
• Home Renovation Loan
Applicant pay it back in Equated Monthly Instalment (EMI) over a tenure upto 15 years. Applicant can use Loan Against Property for a variety of purposes, such as expansion of business, to increase working capital needs, for buying or replenishing inventory, for purchasing equipment, for office expansion, debt consolidation or to meet any other business needs.
Following are the key features and benefits of a loan against property:
- No end-usage restriction
- No-Limit of Loan amount
- Flexible repayment tenure of upto 30 years
- Minimal documentation
- Quick disbursals
Given below are some of the features and benefits of Home loans:
- Competitive Interest Rate
- Repayment Tenor upto30 Years
- Hassle-Free Application
- Zero Part-Prepayment / Foreclosure Charges (vary from lender to lender)
- External Benchmark Linked Loans i.e., the Repo Rate
Borrowers can claim tax benefits on Home Loan Principal Repayment under Section 80C and on Interest Payment under Section 24(b) of Income Tax Act.
To apply home loan, you need to submit the following documents for both applicant & co-applicant:
- KYC documents : Passport size photos, Photo ID (Aadhaar Card & PAN Card or Voter ID or Driving Licence), residential proof (utility bills/ration card/ Bank Passbook, etc.)
- Income/Financial Documents : Latest 3 months Salary Slips along with 3 years ITR with all annexures
- Professional Qualification Documents : Degree of Doctorate/Chartered Accountant/ Company Secretary, if any
- Bank Account Statement : Latest 6 months or 1 year bank statement as per the requirement
- Property Documents : Complete Chain since allotment of the proposed Property
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Note: Additional documents may be requested at the time of loan processing depending upon the requirement of the lender
