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Home Purchase

We provide affordable home loans for all income groups, including low-income groups, to make home ownership and purchase easier. By understanding our customers' life stories, spending and savings habits, we create customized EMI solutions according to their financial capacity.
With low-documentation processes, customized loan programs and competitive interest rates, we aim to make home ownership a reality for everyone.

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Acceptance Criteria

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Age:

  • The borrower must be at least 18 years old and typically not older than 60-70 years at the time of loan maturity

Employment Status:

  • Salaried applicants usually need a stable employment history of 2-3 years.
  • Self-employed individuals need to show proof of their business and consistent income.

Loan Amount and Property Value:

  • The amount you want to borrow is also evaluated based on the market value of the property.
  • Generally, banks approve loans that cover 80-90% of the property’s value (Loan-to-Value ratio).

Property Type:

  • The type of property you want to buy matters. Eligibility may differ for residential, ready-to-move-in homes versus under-construction properties.

Down Payment:

  • You will need to make a down payment from your own savings, typically 10-20% of the property value.
Loan Amount Offer
Loan Amount Offer upto : 10 crore
Rate of Interest(%)
Minimum ROI Start From : 9.75 % P.A.
Maximum ROI : 18.00 % P.A.
Tenure
Minimum Tenures : 12 Months
Maximum Tenure : 48 Months
Documents Required for Loan
Individual & Salaried Employee Self & Professional Employee Company Pvt. Ltd. & Public Ltd.
Primary KYC: Aadhaar Card, PAN Card Applicant KYC: PAN Card, Aadhaar Card Director & Partners KYC: PAN Card, Aadhaar Card, Voter ID
Co-Applicant KYC: Aadhaar Card, PAN Card, Voter ID Card Co-Applicant KYC: PAN Card, Aadhaar Card, Voter ID Company Certificates: CRC Certificate, TAN Certificate, Company PAN Card, Directors DIN Certificate, Board Resolutions, Shareholding Pattern, Partnership Deed
Income Proof: Last 3 months’ salary slip Income Proof: Last 2 years financial return, GST Return (3RB) Income Proof: Last 2 years financial return,  GST return of company
Residence Proof: Aadhaar Card, Voter ID, Electricity Bill, Rent Agreement, Gas Receipt, Post Mobile Bill, Property Tax Residence Proof: Aadhaar Card, Election Commission Card, Driving License, Gas Receipt, Passport, Rent Agreement (Any One) Residence Proof: Aadhaar Card, Election Commission Card,
Driving License, Gas Receipt, Passport, Rent Agreement (Any One)
Bank Statement: Last 6 months' bank statement Banking: Last 1 year bank statement (Current/Savings Account) Banking: Last 1 year bank statement (Current Account)
Photograph: Live photo Photograph: Live photo Photograph: Live photo
Business Documents: N/A Business Proof: Trade License, Shop Act, GSTN Certificate,
Food License, Business License, MSME Certificate, etc.		 Business Proof: Trade License, Shop Act, GSTN Certificate, Food License, Business License, MSME Certificate, etc.
Property Documents: Registry Copy, Property Transfer Certificate,Link or Chain Registry, Property Tax Receipt, Map of Property, TNCP Certificate, Building Permission, etc. Property Documents: Registry Copy, Property Transfer Certificate,Link or Chain Registry, Property Tax Receipt, Map of Property, TNCP Certificate, Building Permission, etc. Property Documents: Registry Copy, Property Transfer Certificate,Link or Chain Registry, Property Tax Receipt, Map of Property, TNCP Certificate, Building Permission, etc.
Golden Features and Benifits
  • Comprehensive Solutions for Every Dream House
  • Affordability at its Core
  • Balance transfer
  • Top-Up loan
  • Freedom to choose a repayment tenure
  • Simple eligibility criteria and minimal documentation
  • Interest rates are affordable and competitive
  • End-to-end doorstep service
  • Home Loan will be instantly disbursed