Home Loans We Offer
Home loans made easy; your dream home within reach.
Bank Name | Bank | Interest Rate | Loan Amount Range | Maximum Tenure |
|---|---|---|---|---|
IDFC First Bank | 8.5% | Upto 10 Crore | 30 Years | |
TATA Capital | 8.5% | Upto 10 Crore | 30 Years | |
Mahindra Finance | 8.5% | Upto 75% of the cost of property | 30 Years | |
Chola Mandalam | 8.5% | Upto 80% of the cost of property | 20 Years | |
Bandhan Bank | 8.5% | Upto 80% of the cost of property | 30 Years | |
Punjab National Bank | 8.5% | Upto 10 Crore | 30 Years | |
Kotak Mahindra Bank | 8.5% | Upto 10 Crore | 20 Years |
ELIGIBILITY CRITERIA FOR HOME LOAN
Age
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Salaried individuals: Minimum age is 18 years and maximum age at loan maturity should be 60 years.
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Self-employed individuals: Minimum age is 18 years and maximum age at loan maturity should be 65 years.
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Income
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Salaried individuals: A stable and regular income is required. The minimum income requirement can vary based on the loan amount and location.
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Self-employed individuals: Consistent and steady income from business or profession. Minimum income requirements vary.
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Employment
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Salaried individuals: Must have a minimum of 2 years of continuous employment, preferably with the current employer.
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Self-employed individuals: Minimum of 3 years of stable business.
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Others
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A good credit score (typically 750 or above) is preferred for loan approval.
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The property to be financed must be approved by the bank and free of any legal disputes.
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​The applicant should be a resident of India or a Non-Resident Indian (NRI).
DOCUMENTS REQUIRED FOR HOME LOAN
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Identity Proof
Aadhar Card, Passport, PAN Card, Voter ID and Driving License
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Address Proof
Utility Bills (Electricity, Water, Gas) and Rent Agreement (if applicable) ​
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Income Proof
Salaried Individuals:
- Latest 3 to 6 months’ salary slips
- Form 16 or Income Tax Returns (ITR) of the last 2 years
- Employment letter or employer certificate (if required)
Self-Employed Individuals:
- Income Tax Returns (ITR) of the last 2 to 3 years
- Profit and Loss Statement and Balance Sheet (audited if applicable)
- Business Continuity Proof (like registration certificate or trade license)
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Bank Statements:
Latest 6 to 12 months’ bank statements
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Property Documents:
- Agreement to Sale/Sale Deed
- No Objection Certificate (NOC) from the builder or society
- Approved Building Plan
- Property Tax Receipts
- Encumbrance Certificate
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