Housing Loans
Make your dream home a reality with our comprehensive housing loan solutions
Product Features
Comprehensive housing loan solutions tailored to your needs
New Home Purchase
Finance your new home purchase with competitive interest rates and flexible repayment options
- Up to 90% of property value
- Interest rates from 8.5% p.a.
- Repayment tenure up to 30 years
Resale Property
Purchase existing properties with our specialized resale property loan products
- Up to 85% of property value
- Quick processing and approval
- Flexible documentation
Self-Construction
Build your own home with our self-construction loan facility
- Up to 80% of construction cost
- Stage-wise disbursement
- Technical support provided
Balance Transfer
Transfer your existing home loan to us for better rates and terms
- Lower interest rates
- Top-up facility available
- No prepayment charges
Application Process
Our streamlined application process ensures quick and hassle-free loan approval. Follow these simple steps to get your housing loan approved.
Initial Application
Submit your loan application with basic details and property information
Document Verification
Our team verifies all submitted documents and conducts initial assessment
Property Valuation
Professional property valuation to determine loan amount and terms
Credit Assessment
Comprehensive credit check and financial assessment
Loan Sanction
Final approval and loan sanction letter issuance
Disbursement
Loan amount disbursed to your account or directly to the seller
Required Documents
Complete checklist of documents needed for your housing loan application
Identity & Address Proof
- Aadhaar Card (Original + Copy)
- PAN Card (Original + Copy)
- Voter ID / Driving License
- Passport (if available)
- Utility Bills (Last 3 months)
Income Documents
- Salary Slips (Last 3 months)
- Bank Statements (Last 6 months)
- Form 16 / ITR (Last 2 years)
- Employment Certificate
- Increment Letter (if recent)
Property Documents
- Sale Deed / Agreement to Sell
- Property Tax Receipts
- NOC from Society (if applicable)
- Property Valuation Report
- Builder's NOC (for new properties)
Additional Documents
- Passport Size Photographs (4 nos)
- Loan Application Form
- CIBIL Report
- Processing Fee Receipt
- Property Insurance (if available)
Frequently Asked Questions
Find answers to common questions about our housing loan products and services. If you have additional queries, feel free to contact our support team.
What is the maximum loan amount I can get?
The maximum loan amount depends on your income, credit score, and property value. Generally, we offer up to 90% of the property value for new properties and up to 85% for resale properties.
What is the minimum and maximum tenure?
Our housing loans are available for a minimum tenure of 5 years and maximum tenure of 30 years, depending on your age and repayment capacity.
What are the current interest rates?
Our interest rates start from 8.5% p.a. and vary based on your credit profile, loan amount, and tenure. We offer competitive rates with flexible repayment options.
How long does the loan approval process take?
Our streamlined process typically takes 5-7 business days for loan approval, provided all documents are submitted correctly and property valuation is completed.
Can I prepay my loan without charges?
Yes, we allow prepayment of your housing loan without any prepayment charges. You can make partial or full prepayments to reduce your interest burden.
What if I have a low credit score?
We consider various factors beyond just credit score. If you have a stable income and good repayment history, we may still approve your loan with appropriate terms.
Apply Online
Start your housing loan application online with our simple and secure application form. Get instant pre-approval and personalized loan offers.