Home Loan
Explore our Home Loan options, designed to suit a wide range of needs for buyers looking to finance their new home purchases. From first-time buyers to seasoned investors, our competitive Loan to Value (LTV) ratios and thorough property evaluations ensure you receive a loan that's tailored to your financial situation. With our Home Loan services, make your dream home a reality with flexible, reliable financing options.
Interest rate starts at 8.40%
Home Loan
Versatile financing solutions for acquiring new properties, offering attractive loan-to-value ratios and thorough assessments of property value.
Fresh Home Loan
- Finance the acquisition of your dream home with competitive interest rates and flexible repayment options.Learn More
Home Loan Top Up
- Additional funding on your existing home loan for personal or property-related expenses with minimal documentation.Learn More
Home Loan Balance Transfer
- Transfer your existing home loan to benefit from lower interest rates and improved loan terms, optimizing your financial commitments.Learn More
Home Loan Overdraft
- Combine your home loan with the flexibility of an overdraft facility for efficient cash flow management and interest savings.Learn More
Home Renovation Loan
- Finance your home renovation projects with a loan that offers competitive rates, flexible repayments, and easy processing.Learn More
Loan To Value
The Loan to Value (LTV) ratio for home loans in India can be up to 75% to 90%, depending on the loan amount. This means for a property valued at ₹1 crore, the loan amount can range from ₹75 lakhs to ₹90 lakhs, subject to the lender's policy and your eligibility.
Base Eligibility Criteria for Home Loan
Age
- 18 to 65 years.
Residency
- Indian residents and NRIs.
Employment
- Salaried or self-employed with a steady income.
Credit Score
- A credit score of 700 or above is preferred.
Documentation
Identification Proof
- Aadhar Card, PAN Card, Passport.
Address Proof
- Recent utility bills, Aadhar Card, Passport.
Income Proof
- Last 3 months' salary slips for salaried individuals, 6 months' bank statement, latest ITR for self-employed.
Property Documents
- Copy of the agreement to sell, receipt of advance payment, complete chain of property papers.