Looking to buy a home? We know it’s one of life’s biggest milestones, and finding the right home loan can make all the difference. Our home loans are designed to fit your budget and lifestyle, making homeownership easier and more affordable.
Types of Home Loans :-
New Home Purchase Loan – For buying a new property.
Home Construction Loan – For building your dream home from scratch.
Home Improvement Loan – Need a remodel or renovation? We’ve got you covered.
Home Loan Balance Transfer – Transfer your existing home loan to us to get better rates.
Land Purchase Loan – Buying a plot? This loan helps you secure residential land for future construction.
Home Loans Documents :-
Pan Card,Aadhaar Card
Proof of residence
For NRIs, passport is required
Up to date tax paid receipt
Proof of ownership of property
Salary slips and Form No.16 for salaried
Bank statements for last 6 to12 months
In case of flats, allotment letter of builder/society
Last 3 years income tax returns along with financials for self-employed or professionals
Benefits Of Home Loans :-
Affordable Way to Buy a Home :- A home loan allows you to purchase a property without needing the full amount upfront, making homeownership accessible even with limited initial savings.
Tax Benefits :- Under Section 80C of the Income Tax Act, you can claim deductions of up to ₹1.5 lakh per year on the principal repayment.
Improves Your Credit Score :- Regular and timely repayment of EMIs on your home loan positively impacts your credit score, showing lenders your reliability. This can help improve your creditworthiness for future loans or financial products.
Fixed and Floating Interest Rates :- Home loans offer flexibility in choosing between fixed and floating interest rates. With a fixed-rate, your EMI stays constant, offering stability. A floating rate can fluctuate with market rates, potentially lowering your monthly payments when rates decrease.
Hedge Against Inflation :- As property prices generally appreciate over time, buying a home through a loan acts as a hedge against inflation. While the value of your property rises, the loan EMI remains fixed, giving you better value over time.
Balance Transfer Facility :- Many lenders offer balance transfer options, allowing you to switch to a new lender with lower interest rates or better terms. This flexibility can help you save on interest payments over the loan term.
