Unlock Your Dream Home with Our Flexible Home Loan Solutions
Turn your dream of owning a home into reality with our flexible and affordable home loan solutions. Whether you’re purchasing a new home, building a house, or buying a resale property, our home loans come with competitive interest rates, customizable repayment terms, and easy application processes. With minimal documentation and quick approvals, we ensure a hassle-free experience for first-time buyers and experienced homeowners alike.
Benefit from tax advantages, pre-approval options, and zero prepayment charges on floating-rate loans. Our dedicated loan experts will guide you through each step, providing personalized solutions to meet your financial goals.
Customised Solutions
Our home loans are tailored to meet your specific needs, whether it's purchasing a new home.
Dedicated Support
A smooth and stress-free experience is ensured through the guidance of our loan experts at every step.
Transparent Process
No hidden charges. Complete transparency from application to disbursement.
Low Interest Rates
Competitive interest rates (fixed or floating) that reduce the overall cost of the loan.
A home loan is a financial solution designed to help individuals purchase or construct their dream homes. We offer tailored home loans with flexible repayment options, competitive interest rates, and a smooth approval process to make home ownership easier for you.
- Applicant should be a citizen of India
- Should be occupying his current place of residence for a minimum of 3 years in the city
- Applicants should atleast be 24 years of age
- Form-16 issued by present employer.
- If the applicant is self employed, he should be in the business for atleast 3 years, if he/she is salaried, he should have minimum 3 years of Work Experience
Home Loan for Salaried individuals
- Photo Applicant & Co-Applicant.
- Proof of identity (PAN Card) or residence Applicant & Co-Applicant.
- Latest salary slips.
- Form-16 issued by present employer.
- Bank statements of six months.
Home Loan for Self-employed Professionals
- Photo Applicant & Co-Applicant.
- Proof of identity (PAN Card) or residence Applicant & Co-Applicant.
- Business and Office Proof.
- Educational qualification certificates, degrees, diplomas, and other academic credentials.
- IT Returns of the three years preceding the one in which loan is applied for.
- Bank statements of last one year.
Home Loan for Self-employed Businesspersons
- Photo Applicant & Co-Applicant.
- Proof of identity (PAN Card) or residence Applicant & Co-Applicant.
- Business and Office Proof
- Proof of existence of business.
- Detailed business profile.
- Profit and loss sheet and balance sheets of the company for the three years.
| Tax Benefits | On Principal Repaid | On Interest Paid |
|---|---|---|
| First Home – Self Occupied | Actual principal repaid subject to a maximum of Rs. 1,50,000 (Rs. 2 lakh for senior citizens) can be claimed as investment eligible for tax deduction under section 80C. | Actual home loan interest paid subject to a maximum of Rs. 2 lakh (Rs. 3 lakh for senior citizens) if house construction completed within 5 years from the end of the financial year in which loan is taken If construction of house not completed within five years then Rs. 30,000 is tax exempt Additional exemption of upto Rs. 50,000 on interest paid for loans upto Rs. 35 lakh with cost of home upto Rs. 50 lakh. |
| First Home – Rented/ Vacant (deemed to be let out property) | Upto Rs. 1,50,000 (Rs. 2 lakh for senior citizens) eligible for tax deduction under Section 80 C. The deduction is available only if the property owner is staying in a different city for work. | For current assessment year 2018-19: Exemption on interest has been capped at lower of two, a) Rs. 2,00,000 or b) actual interest paid for all properties owned by a tax payer. |
| Second Home or Additional Property | None | For current assessment year 2018-19: Exemption on interest has been capped at lower of two, a) Rs. 2,00,000 or b) actual interest paid for all properties owned by a tax payer |
| Under Constrn. | None | The interest paid can be claimed in equal parts in five financial years post completion or handing over of property within the overall annual limit of Rs. 2 lakh. |
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