"Your dream home is just a step away! Home Loan can be use for purchasing a new residential property, construction of house on a plot, home improvement, and extension and renovation of your existing house. Your house loan eligibility is calculated based on your age, net income, existing obligations.
 Features & Benefits

High Loan Amount:-

Avail financing of up to 65% to 80% of the property's value, depending on your profile and lender's policy.

Affordable Interest Rates:-

Competitive and floating/fixed interest rate options for easy repayment.

Flexible Repayment Tenure:-

Tenure of up to 30 years, helping to keep EMIs low and manageable.

Tax Benefits:-

Claim deductions on both principal (u/s 80C) and interest (u/s 24b) under the Income Tax Act.

Prepayment Option:-

Option to repay the loan before tenure without heavy penalties (as per lender’s policy).

Eligibility Criteria

Age:

25 to 65 years (at loan maturity)

Employment Type:

Self-Employed: Business owners, professionals (doctors, CAs, architects, etc.)

Salaried: Individuals working with government, private, or public sector organizations

Income:

Stable monthly or annual income to ensure loan repayment capacity.

Credit Score:

A good credit score (preferably 650 and above) improves approval chances and terms.

Co-Applicant Option:

Co-borrowing allowed with spouse or family member to increase eligibility.

Documents Required

For Salaried Individuals:

Identity Proof: Aadhaar / PAN / Passport / Voter ID

Address Proof: Aadhaar / Passport / Utility bills

Latest 3–6 months’ salary slips

Form 16 or last 2 years’ Income Tax Returns

Bank account statements (last 6 months)

Property-related documents (Agreement to Sell, Title deed, etc.)

Passport-sized photographs

For Self-Employed Individuals:

ID & Address Proof: Aadhaar / PAN / Passport

Business Proof: Registration Certificate, GST certificate

Last 2–3 years’ ITR with computation

Profit & Loss statement and Balance Sheet (CA-certified)

Bank account statements (business and personal – 6–12 months)

Property documents

Photographs