Home Loan Assistance
We help turn your dream of owning a home into reality with comprehensive home loan solutions and expert support throughout the process.
8
Loan types
5
Guided steps
1:1
Advisor support
Service Snapshot
Home Loans
We guide home buyers through loan eligibility, property documents, sanction conditions, repayment planning, and lender comparison so the home loan journey stays clear.
01
Competitive Interest Rates
02
Flexible Repayment Options
03
Customized Loan Amount
Overview
Complete guidance for your loan journey.
We understand that owning a home is a cherished dream for many individuals and families. With our expertise in the field, we help turn this dream into reality by providing comprehensive home loan solutions. Whether you are purchasing your first home or looking to upgrade to a new one, our team of experts will assist you throughout the loan process.
Competitive Interest Rates
We offer home loans at competitive interest rates, ensuring affordability and cost-effectiveness for our customers.
Flexible Repayment Options
Our home loan packages come with flexible repayment options, allowing you to choose a plan that suits your financial capacity.
Customized Loan Amount
We understand that every individual's housing needs are unique. Hence, we provide customized loan amounts based on your requirements and eligibility.
Quick Processing
We are committed to providing a seamless and efficient loan application process with quick processing and timely disbursement of funds.
Assistance with Documentation
Our dedicated team assists you in gathering the necessary documents and ensures a smooth documentation process, minimizing any hassle for you.
Expert Advice
With our in-depth knowledge of the real estate market and industry trends, we offer expert advice to help you make informed decisions regarding your home loan.
Floating / reducing rate
Linked to a benchmark rate (Repo Rate/MCLR). Interest fluctuates with market conditions. Reducing balance method: interest is calculated on the outstanding principal, so effective cost is lower as you repay.
Fixed / flat comparison
Interest remains constant for a specific tenure. Note: flat rate and reducing rate differ in calculation. If flat rate is 10% per year, the equivalent reducing rate is approximately 10% × 1.75 = 17.5% per year reducing. Always confirm whether the bank is quoting flat or reducing rate.
Security structure
Home loans are secured loans. The property you purchase or mortgage acts as collateral.
Eligibility & Documents
Prepared files make approvals smoother.
Eligibility and document lists vary by lender. We help you arrange the right papers before the application reaches the bank desk.
Eligibility
Salaried (Normal / Normal Plus)
Indian citizen; age 21–55 years.
Employer: Limited, Pvt. Ltd, Govt, LLP, MNC, etc.
Minimum 6 months in current company; 3 years overall (relaxed for Cat A).
Min take-home Rs. 15,000–20,000 (depends on employer category).
Salary by ECS/NEFT; PF/PT/TDS deduction preferred.
CIBIL 700+ (650–700 may be considered with justification).
Salaried (Affordable)
Similar to Normal; cash salary accepted up to Rs. 25,000.
Salary with or without deduction accepted.
CIBIL 600+.
Self Employed (Prime / Prime Plus)
Business 3–4 years old; turnover above Rs. 5 lakh.
ITR for 2–3 years; business registration (GST, Shop Act, etc.).
Current account 1 year+.
No EMI bounce in last 3 months.
CIBIL 700+ (Prime Plus: 600+ with justification).
Separate residence and office required (Prime Plus may accept residence-cum-office).
Self Employed (Affordable)
Business 3 years (2 financial years accepted in some cases).
Turnover above Rs. 5 lakh.
Current or savings account 1 year+.
CIBIL 600+.
Residence-cum-office accepted with business activity.
Common documents
Personal & KYC – Home Loan (Applicant + Co-applicant)
1 passport size photo (applicant + co-applicant)
PAN and Aadhaar (applicant + co-applicant)
Latest residence light bill & Property Tax Bill (ownership proof)
Rent agreement (if rented)
3 months latest salary slip
6 months salary bank account statement
Company appointment letter
Last two years Form 16
3 years job proof (old appointment letter, Form 16, relieving letter)
Welcome letter of all live loans (if any)
Visiting card
Office I-card
Home Loan – Property Documents
Allotment letter & possession letter & payment receipts
Banakhat copy or draft sale deed or booking letter
Property master file copy (all builder transaction documents)
Builder agreement, society registration permission & certificate
Share certificate, agreement with builder & seller party (if resale purchase property)
Village 7/12, 6 (where applicable)
N.A permission, permission of construction
Unit plan and layout plan
Balance Transfer & Top-up
Same as above personal & property documents
Current home loan statement of account from existing bank
List of documents (LOD) from current loan bank
Foreclosure letter from current loan bank
Exact list may vary by bank. We help you arrange and verify documents.
Simple Process
From requirement to approval guidance.
Every stage is built around clarity: compare the right lenders, prepare documents, answer queries, and move toward sanction.
01
Enquiry – Compare – Select
Share your profile, loan amount and purpose with us. We compare offers from multiple banks and NBFCs and help you choose the right option. Disclose any negative points so we can suggest the best path.
02
Documents & Application
Prepare all required documents, verify with your consultant, and sign the application form. Ensure papers are complete as per bank policy.
03
Application Login – CIBIL & Query
After submission you receive an application number from the bank. Track status online. Banks may not proceed if there is a query—resolve documents and CIBIL issues at this stage.
04
Verification – Home Discussion
Verification agency may visit office and residence. Some banks do telephonic or in-person home discussion to assess profile, purpose and repayment capacity. Clear this to move to approval.
05
Approval – Sanction – Agreement – Disbursement
After approval, sign the agreement and submit security cheques. Once agreement is submitted, funds are typically disbursed via RTGS or DD within 48 hours.
Approval Factors
Salaried Profile
Banks consider company type, gross/net salary, deductions, stability, age, designation, current EMI, property value, and CIBIL score and history. FOIR and employer category drive eligibility and pricing.
Self-Employed Profile
Loan amount is based on business type, turnover, ITR, banking turnover, average bank balance, business premises, current EMI, property value, and CIBIL. Average ITR of last two years and DSTR norms apply.
Best Tips for Home Loan
Get quotations from multiple banks and compare before selecting. Share your full credit history with your consultant so we can suggest the right option and avoid rejections. Prepare all documentation and security cheques in advance to save time. Stay in touch with your consultant until you get a clear status and follow your application number on the bank's website to stay on track.
Do not hide negative points from your consultant—it helps us find the right option. A cooperative approach with your vendor helps get the best deal and keeps the process smooth till disbursement.
Ready to plan your loans, insurance, and investments?
Talk to our experts and get a personalized recommendation across all three services.