HOUSE / FLAT PURCHASE
PLOT PURCHASE
HOME CONSTRUCTION
HOME EXTENSION
HOME RENOVATION
HOME LOAN - BALANCE TRANSFER
LOAN AGAINST PROPERTY
HOME CONSTRUCTION LOANS
We offers affordable and tailored loans to all our clients and personalise them to suit our clients’ requirements better. We offer loans for purchase of flats and construction of plots across the country, through our pan-India branch network. We also offer loans for construction, renovation and home extensions. We also accept houses/commercial property as collateral for secured loans to self-employed individuals for business and personal needs.
We not only provides loans for buying the house but also renovating existing houses & house extensions. We provide personalised loans to meet the client's renovation needs and built a space that suits the resident's requirements.
- Home Loan products to suit every customers need
- Home Loan Available as Overdraft
- Low Interest Rates
- Low Processing Fee
- No Hidden Charges
- No Pre Payment Penalty
- Interest charges on Daily Reducing Balance
- Repayment up to 10 years
- Interest Concession for Women Borrowers
- Resident Type: Resident Indian
- Minimum Age: 18 years
- Maximum Age: 70 years
- Loan Tenure: Up to 30 years.
- Loan Amount: Up to Rs. 5 crores
Explore Home Loan Interest Rates and Charges with the table given, outlining the costs and rates involved in securing your home financing.
Home Loan Interest Rate (Pre-approved Customers)
Pre-approved customers stand to benefit from preferential Home Loan rates, which are lower than standard rates. These rates are tailored to reward loyalty and financial stability
Current Home Loan Interest Rate |
8.50%* p.a. |
Special Home Loan Interest Rates
Special Home Loan interest rates, often lower than standard, are offered for a limited time or to eligible customers, serving as incentives or promotional offers. Below are the special Housing Loan interest rates:
|
CIBIL |
Salaried |
Self-Employed |
|---|---|---|
|
>800 |
9.00% |
9.00% |
|
750-800 |
9.00% |
9.10% |
List of papers/ documents applicable to all applicants:
- Employer Identity Card
- Loan Application: Completed loan application form duly filled in affixed with 3 Passport size photographs
- Proof of Identity (Any one): PAN/ Passport/ Driver’s License/ Voter ID card
- Proof of Residence/ Address (Any one): Recent copy of Telephone Bill/ Electricity Bill/Water Bill/ Piped Gas Bill or copy of Passport/ Driving License/ Aadhar Card
Property Papers:
- Permission for construction (where applicable)
- Registered Agreement for Sale (only for Maharashtra)/Allotment Letter/Stamped Agreement for Sale
- Occupancy Certificate (in case of ready to move property)
- Share Certificate (only for Maharashtra), Maintenance Bill, Electricity Bill, Property Tax Receipt
- Approved Plan copy (Xerox Blueprint) & Registered Development Agreement of the builder, Conveyance Deed (For New Property)
- Payment Receipts or bank A/C statement showing all the payments made to Builder/Seller
Account Statement:
- Last 6 months Bank Account Statements for all Bank Accounts held by the applicants
- If any previous loan from other Banks/Lenders, then Loan A/C statement for last 1 year
Income Proof for Salaried Applicant/ Co-applicant/ Guarantor:
- Salary Slip or Salary Certificate of last 3 months
- Copy of Form 16 for last 2 years or copy of IT Returns for last 2 financial years, acknowledged by IT Dept.
Income Proof for Non-Salaried Applicant/ Co-applicant/ Guarantor:
- Business address proof
- IT returns for last 3 years
- Balance Sheet & Profit & Loss A/c for last 3 years
- Business License Details(or equivalent)
- TDS Certificate (Form 16A, if applicable)
- Certificate of qualification (for C.A./ Doctor and other professionals)
- Home Loan products to suit every customers need
- Home Loan Available as Overdraft
- Low Interest Rates
- Low Processing Fee
- No Hidden Charges
- No Pre Payment Penalty
- Interest charges on Daily Reducing Balance
- Repayment up to 10 years
- Interest Concession for Women Borrowers
- Resident Type: Resident Indian
- Minimum Age: 18 years
- Maximum Age: 70 years
- Loan Tenure: Up to 30 years.
- Loan Amount: Up to Rs. 5 crores
Explore Home Loan Interest Rates and Charges with the table given, outlining the costs and rates involved in securing your home financing.
Home Loan Interest Rate (Pre-approved Customers)
Pre-approved customers stand to benefit from preferential Home Loan rates, which are lower than standard rates. These rates are tailored to reward loyalty and financial stability
Current Home Loan Interest Rate |
8.50%* p.a. |
Special Home Loan Interest Rates
Special Home Loan interest rates, often lower than standard, are offered for a limited time or to eligible customers, serving as incentives or promotional offers. Below are the special Housing Loan interest rates:
|
CIBIL |
Salaried |
Self-Employed |
|---|---|---|
|
>800 |
9.00% |
9.00% |
|
750-800 |
9.00% |
9.10% |
List of papers/ documents applicable to all applicants:
- Employer Identity Card
- Loan Application: Completed loan application form duly filled in affixed with 3 Passport size photographs
- Proof of Identity (Any one): PAN/ Passport/ Driver’s License/ Voter ID card
- Proof of Residence/ Address (Any one): Recent copy of Telephone Bill/ Electricity Bill/Water Bill/ Piped Gas Bill or copy of Passport/ Driving License/ Aadhar Card
Property Papers:
- Permission for construction (where applicable)
- Registered Agreement for Sale (only for Maharashtra)/Allotment Letter/Stamped Agreement for Sale
- Occupancy Certificate (in case of ready to move property)
- Share Certificate (only for Maharashtra), Maintenance Bill, Electricity Bill, Property Tax Receipt
- Approved Plan copy (Xerox Blueprint) & Registered Development Agreement of the builder, Conveyance Deed (For New Property)
- Payment Receipts or bank A/C statement showing all the payments made to Builder/Seller
Account Statement:
- Last 6 months Bank Account Statements for all Bank Accounts held by the applicants
- If any previous loan from other Banks/Lenders, then Loan A/C statement for last 1 year
Income Proof for Salaried Applicant/ Co-applicant/ Guarantor:
- Salary Slip or Salary Certificate of last 3 months
- Copy of Form 16 for last 2 years or copy of IT Returns for last 2 financial years, acknowledged by IT Dept.
Income Proof for Non-Salaried Applicant/ Co-applicant/ Guarantor:
- Business address proof
- IT returns for last 3 years
- Balance Sheet & Profit & Loss A/c for last 3 years
- Business License Details(or equivalent)
- TDS Certificate (Form 16A, if applicable)
- Certificate of qualification (for C.A./ Doctor and other professionals)
