Home Loan

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Home Loan EMI Calculator

 

As you are planning to go for Home Loan, EMI plays an important role. Will EMI fit into your monthly budget or not is an important factor. That’s why EMI calculator will help you come out of this dilemma. It will help you identify your monthly repayments, total interest payable and total

 

Advantages Of Choosing A Home Loan

Advantages Of Choosing A Home Loan

Low Interest Rates

The lending institution offers home loan at reasonable and attractive interest rates, to make it affordable for you. We guarantee you Home Loan at lowest interest rates in Delhi.

Loan Tenure

A maximum of 20 years loan tenure is offered for availing home loan.

Huge Loan Amount

There is a limit in loan amount but it ranges between Rs. 2 lakhs to Rs. 200 Lakhs ( depends on applicant’s eligibility, repayment capacity and income

Tax Benefits

The applicants can avail tax benefits. Under Section 80CCE of the Income Tax Act, 1961 repayment of principal up to Rs 100,000 on home loan is subject for tax deduction. Once all prescribed conditions are met, this benefit can be availed.

Capital Appreciation

 The value of your property purchased or invested will always increase. Thus appreciation for your investment can be seen within few years.

Great opportunity for low-class and middle-class

Home loan creates an opportunity for low-class and middle-class community to have a home of their own.

Instant Home Loan Approval

Along with all these advantages, we provide you the benefit of instant Home Loan approval online.

Categories Of Home Loans

Home Purchase Loan

These are designed for consumers who are looking to purchase a house or flat.

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Home Construction Loan

For those, who are seeking to construct their own house or property for the first time

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Land Purchase/Plot Loans

Specifically designed to meet the needs of consumer who need to buy a piece of land or plot

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Home Improvement Loans

For consumers who are willing to renovate or make repairs to their current home

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Home Conversion Loans

Designed for consumers who wish to relocate into another home with the existing loan

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Home Extension Loans

These loans are offered to consumers who wish to renovate/extend their existing house/property.

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Bridged Loans

This loan helps in building a space between an old house and a newly purchased plot.

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Stamp Duty

 Stamp duty is paid with the price of the house. A specific amount of registration fee must also be paid.

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Eligible For Home Loan

Am I Eligible For Home Loan?

Home Loans are easily provided by all the banking institutions once you meet up with the necessary requirements and needs. You can easily apply online for home loan and also get instant home loan approval online.

The eligibility criteria to get an instant approval online for Home Loans are mentioned in the table below. Please go through before applying online:

Is Home Loan the best choice for me?

If you are facing cash crunch in fulfilling your dreams then where will you go? If you are worried or anxious because you don’t possess your own house then what next? The solution to all your queries is just 2 words i.e. Home Loan.

It takes whole lifespan of an individual for making his own house or purchasing his dream home, but through easy and fast process of housing loan one can easily buy his own house and fulfill his dream.

A Home Loan is a secured loan with flexible repayment options and interest rates starting from 8.8%. It is a quick and hassle free process. So if you are planning for your dream home the best option for you is Home Loan.

Home Loan the best choice

What Documents Are Required To Apply For Home Loan?

Below mentioned are the common documents which are required for applying for a Home Loan

Application form duly filled with one passport size photograph.


VOTER ID/ PAN Card/ Aadhar Card/ Passport/Driving License.


License/ Registered Rent Agreement/ Utility Bill.


Sale deed or rental agreement.


Salary slip, bank statement and Form 16


Bank statement of Past 6 months’ document.


Sale deed, Katha, transfer of ownership.


A cancelled cheque for validation of bank account.


Employment certificate from the employer.


Copies of pay slips for last few months and TDS certificate<./p>


Latest Form 16 issued by employer Bank statements.


Sale deed, Katha, transfer of ownership.

 

 

For SalariedFor Salaried

Application form duly filled with one passport size photograph.


VOTER ID/ PAN Card/ Aadhar Card/ Passport/Driving License.


License/ Registered Rent Agreement/ Utility Bill.


Sale deed or rental agreement.


Salary slip, bank statement and Form 16


Bank statement of Past 6 months’ document.


Sale deed, Katha, transfer of ownership.


A cancelled cheque for validation of bank account.


Employment certificate from the employer.


Copy of audited financial statements for the last 2 years/p>


Copy of partnership deed if it is a partnership firm or copy of memorandum of association and articles of association if it is a company


Profit and loss account for the last few years

 

For Self- employed For Self- employed

Steps To Apply For Online Home Loan

 

Apply For Online Home Loan

 These are designed for consumers who are looking to purchase a house or flat. The loan is provided at both fixed and floating interests. This Loan is used when the property is purchased from another owner. 

 These are designed for consumers who are seeking to construct their own house or property for the first time. In this case the borrower must be pre-planned with the cost amount that will incur and apply for the loan accordingly. 

 These are specifically designed to meet the needs of consumer who need to buy a piece of land or plot. It is provided for both investment purpose and also residential or housing purpose. 

  These loans are availed by consumers who are willing to renovate or make repairs to their current home. It may include painting work, repairing, electrical and plumbing work, etc.

  These loans are availed by consumers who are willing to renovate or make repairs to their current home. It may include painting work, repairing, electrical and plumbing work, etc. These loans are designed for consumers who wish to relocate into another home with the existing loan. There is no need of paying loan for the previous home. 

  These loans are offered to consumers who wish to renovate/extend their existing house/property. This includes modification in the infrastructure of the house.

  These are taken by owners of a residential property. It helps in building a space between an old house and a newly purchased plot. 

 In this case, stamp duty is paid with the price of the house. A specific amount of registration fee must also be paid, if the property’s value comes to ten lakhs.