Your Dream Home, Closer Than Ever: Seamless Home Loans

Experience Our Home Loan Solutions

We offer a comprehensive range of home loan products to cater to diverse needs:

• Home Purchase Loan:- For buying a new flat, apartment, row house, or bungalow from a developer or resale property.

→ Key Features: Attractive interest rates, flexible tenure, easy documentation.

→ Ideal for: First-time homebuyers and seasoned investors alike.

• Home Construction Loan:- Get funds for construction of a new house on a plot you already own.

→ Key Features: Phased disbursements based on construction progress, competitive rates.

→ Ideal for: Individuals planning to build their custom dream home.

• Home Renovation & Improvement Loan:- Funds for repairs, renovations, or major improvements to your existing home.

→ Key Features: Helps enhance your living space, quick approval for upgrades.

→ Ideal for: Homeowners looking to modernize or expand their current residence.

• Home Loan Balance Transfer: Transfer your existing home loan from another bank or NBFC to us.

→ Key Features: Benefit of lower interest rates, better terms, and reduced EMIs.

→ Ideal for: Existing homeowners seeking to save on interest costs.

Eligibility & Documents

Our eligibility criteria are designed to be straightforward. Generally, you need to meet the following:

•Age: Minimum 21 years at loan commencement, maximum 65 years at loan maturity.

•Residency: Indian Resident.

•Income: Salaried individuals (minimum income varies), Self-employed professionals/non-professionals (with stable income/business vintage).

•Credit Score: A healthy CIBIL score (typically 700+) significantly improves your chances.

•Employment/Business Stability: Consistent employment history or a well-established business (e.g., 2-3 years vintage).

Documents You'll Need for Your Application

A. KYC Documents (for all applicants/co-applicants):

•PAN Card

•Aadhaar Card

•Passport/Voter ID/Driving License (as address proof)

B. Income Documents: For Salaried Applicants:

»Last 3 months' salary slips

»Last 6 months' bank statements (showing salary credits)

»Latest Form 16 and Income Tax Returns (ITR)

•For Self-Employed Applicants:

»Business Registration proof

»Last 2-3 years' Income Tax Returns (ITR)

»Audited financial statements (Profit & Loss, Balance Sheet) for the last 2-3 years

»Last 1 year's bank statements (personal and business)

C. Property Documents (if property finalized):

•Sale Agreement/Sale Deed (copy)

•Property Title Deeds

•Approved plan copy (for construction/extension loans)

•NOC from Builder/Society (if applicable)