Home Loan
🏠 Home Loan
A Home Loan helps you turn your dream of owning a house into reality. Whether you are buying a new home, constructing a house, purchasing a resale property, or renovating your existing home, our customized loan solutions are designed to meet your unique needs with flexible repayment options and competitive interest rates.
✅ Key Features of Home Loan:
Loan Amount: Based on applicant eligibility and property value
Tenure: Up to 30 years (longer tenure reduces EMI burden)
Interest Rate: Attractive rates with balance transfer facility
Collateral: Mortgage of the property being financed
Usage:
Purchase of new or resale property
Construction of home on owned plot
Home renovation, extension, or improvement
Balance transfer from another lender for better rates
📋 Required Documents for Home Loan:
Personal KYC Documents:
PAN Card
Aadhaar Card / Passport / Voter ID / Driving License
Passport-size Photographs
Income Proof:
For Salaried Applicants:Last 3–6 months Salary Slips
Latest 6 months Bank Statement (Salary Account)
Form 16 or Income Tax Return (ITR)
For Self-Employed Applicants:
Last 2–3 years Income Tax Returns (ITR)
Profit & Loss Statement and Balance Sheet (CA certified)
Business Registration Certificate
Latest 6–12 months Bank Statement
Property Documents:
Registered Sale Agreement or Allotment Letter
Title Deed / Chain of Previous Sale Deeds
Approved Building Plan & Layout
Property Tax Receipts (latest)
Occupancy / Completion Certificate (if applicable)
Other Documents:
Residence / Office Address Proof (Electricity Bill, Rent Agreement)
Existing Loan Sanction Letters or Repayment Schedule (for balance transfer)