Credit Desk

Simplify Your Journey to a New Home

Navigating home loans can be complex. We work with over 15+ top banks and NBFCs to secure competitive interest rates, low processing fees, and high loan eligibility for you.

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Product Details

Comprehensive Home Sourcing Services

Whether you are purchasing a ready flat, constructing on an own plot, or transferring an existing loan, we have a custom solution.

New Home Purchases

Finance for purchasing ready-to-move-in flats, under-construction properties, or builder floors from trusted developers.

High Loan-to-Value (LTV) up to 90%
Flexible tenures up to 30 years

Plot & Construction

Finance to buy an open plot of land for residential construction, or a loan to construct a house on your own land.

Tranche-wise disbursement
Top-up loans for renovation

Balance Transfer (Refinance)

Transfer your existing high-interest home loan to another bank at a lower interest rate to save on monthly EMIs.

Lower EMI payments
Top-up loans for personal/business needs

Eligibility Criteria

Eligibility is assessed based on income stability, existing obligations, credit profile, and the selected property value.

Age: 21 to 65 years at the time of loan maturity.
Employment Type: Salaried employees, self-employed business owners, and professionals (Doctors, CAs).
Income: Stable monthly cash flows (minimum requirements vary by lender).
Credit Score: Credit score of 700+ is preferred for low interest rate brackets.

Document Checklist

Keep the following general checklist ready for quick, hassle-free processing.

KYC Documents: PAN card, Aadhaar card, Passport, or Voter ID.
Income Proof (Salaried): Last 3 months' salary slips, 6 months' bank statements (salary account), and Form 16.
Income Proof (Self-Employed): Last 2 years' audited balance sheets, P&L accounts, and ITR filings.
Property Documents: Title deeds, approved construction plan, allotment letter, or sales agreement.

Our Checklist

End-to-EndSourcing Process

Requirement

We analyze your target property cost, required loan amount, and check basic eligibility.

Bank Selection

Compare deals from partner banks (SBI, HDFC, ICICI, etc.) for the best interest rates.

Sanction

Coordinate legal and technical valuation of the property to obtain formal approval.

Disbursal

Final documentation execution, mortgage creation, and payout to builder or seller.

Planner

Home Loan EMI Calculator

Estimate your monthly payments, interest cost, and amortization parameters before applying.

Loan Amount ₹50 Lakhs

Interest Rate 8.5%

Tenure (Years) 20 Years

Monthly EMI

₹43,391

Total Interest Payable

₹54,13,889

Total Payment (Principal + Interest)

₹1,04,13,889

FAQs

Home Loan Frequently Asked Questions

Answers to common queries regarding home loans and mortgage processing.

Most partner banks offer home loans for a maximum tenure of up to 30 years. However, loan tenure depends heavily on the age of the borrower at the time of loan maturity.

For floating interest rate home loans, RBI guidelines mandate zero pre-payment or foreclosure penalties for individual borrowers. For fixed-rate loans, lenders may levy 2-3% charges on the outstanding principal.

Borrowers can claim tax benefits under the Income Tax Act: Section 24b allows deductions of up to ₹2 Lakhs per annum on interest payments, and Section 80C allows deductions up to ₹1.5 Lakhs per annum on principal repayments.

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