Every bank has deferent set of rules in giving Home Loans, first we collect all the documents and visit your property, We Analise which bank your profile suites and what best offers we can get you and from which bank. Post discussion we can finalize the Bank.

Give us a call on the below mentioned contact number, Our professional Executives will get in touch with you & would finish all the Loan application formalities of applicable bank at your convenience.

Yes, you can apply jointly, i.e. either be your spouse or your parents, Adding co-applicant, you can also get a higher amount of loan as your co-applicant’s income also gets added with your income and that total income is taken into consideration for calculating the Final Loan amount you will be eligible for.

The loan tenure for housing loan ranges from 5 years to 30 years.

Note : Please check with your Auditor for more details on Home Loan Tax Benefits.

It may change every year as per the Union Budget. A home loan borrower can avail a tax benefit on their home loans both on the principal as well as on the interest rate on home loans.

1. Under section 80C ( principal ) : The individual is eligible for a maximum annual tax deduction of Rs. 1,50,000 (Rs. 2 lakh for senior citizens).

2. Under section 24 ( interest rate ) : The individual can avail the tax benefit on the amount of interest paid on their home loan to the maximum limit of Rs. 2 lakh (Rs. 3 lakh for senior citizens) for a self-occupied property.

3. Pre-Construction Interest : Deduction on home loan interest cannot be claimed when the house is under construction. This pre-construction interest can be claimed only after the construction is finished.

Yes, you can get a top up on your existing home loan, only if you have made timely repayment of EMIs on existing home loan. The interest rate charges on a top up loans are comparatively 0.5 – 2% higher than a home loan with minimal documentation for top up loan processing.

Yes, if you are paying higher interest rate in your existing bank, then you can go for home loan balance transfer and reduce your monthly EMIs.

CIBIL score ranges from 300 to 900. A score of 680 and above is considered as good score to get home loan. Higher the credit score, higher the chances to get loan application approved.

Yes, Even with the bad credit/CIBIL score, you may be eligible for qualifying a home loan. But, the Bank might charge a higher rate of interest on your loan and may ask you to apply for loan along with a co-applicant to improve your credit worthiness.

Yes, if you fail to pay the loan on time then it will also affect your co-applicant’s CIBIL score.