Purpose
✅Buying a new or pre-owned house or flat.
✅Purchasing a new plot and constructing your dream home from scratch.
✅Building a home on a plot you already own.
✅Extending your current home by adding a room, creating extra space, or constructing an additional floor.
✅Balance transfer of your existing home loa
Eligibility Criteria
❇️ Age: You should be between 18 to 70 years
❇️ Income: Stable income with a healthy debt-to-income ratio.
❇️ Property: Should meet our valuation and legal guidelines.
❇️ Credit Score: A good credit score improves approval chances.
Key Features
☑️Loan Coverage: Up to 90–98% of property value.
☑️ Interest Rate: Choose fixed or floating rates.
☑️ Tenure: Repay over up to 30 years—at your pace.
☑️ EMI Flexibility: Custom EMI options to suit your budget.
☑️ Balance Transfer: Move to better rates anytime.
☑️ Tax Benefits: Save tax on both principal and interest.
Documents Required
❇️ ID Proof: Aadhaar card, PAN card, Passport, etc.
❇️ Address Proof: Voter ID, utility bill, rent agreement.
❇️ Income Proof:: Salary slips, ITR, Form 16.
❇️Property Papers: Sale deed, title, approved plan.
❇️Bank Statements: Last 6 months.
❇️Employment Details: Offer letter or job certificate.
Fees & Charges
☑️ Processing Fee: For application processing.
☑️ Prepayment Charges: May apply on early repayment.
☑️ Late EMI Charges: If payment is delayed.
☑️ Legal & Technical Fees: For property checks and documentation.
☑️ Insurance: Loan protection (optional/required).
☑️ Stamp Duty & Registration: As per state rules.
