Home Loans
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FAQs
What is a home loan?
A home loan helps you buy a house by borrowing money from a lender.
How do I apply?
You can apply online or visit our office with your documents and ID proof.
What documents are required?
1. Applicant's personal documents
Identity proof: PAN card, Aadhaar card, Voter ID, or Passport
Address proof: Aadhaar card, Voter ID, utility bills (electricity, phone), or Passport
Age proof: Birth certificate, Passport, Aadhaar card, or 10th-grade marksheet
Passport-sized photographs: Of the applicant and any co-applicants
2. Income and financial documents
For salaried individuals:
Last 3 to 6 months' salary slips
Form 16 or Income Tax Returns (ITR) for the last 1 or 2 years
Last 6 to 12 months' bank statements showing salary credits
For self-employed individuals:
Last 2 to 3 years' ITR, along with the Balance Sheet and Profit & Loss statement
Proof of business address and business license
Last 6 to 12 months' bank statements for the business
3. Property documents
Sale agreement
Title deed
Approved building plan
No Objection Certificate (NOC) from the society or builder
Property tax receipts and maintenance receipts
What is the interest rate?
Rates vary but are competitive and depend on your credit profile. Home loan interest rates vary based on factors like your credit score, loan amount, and employment type, with rates often starting in the 7.45% to 9.10% range for well-qualified borrowers.
Can I prepay my loan?
Yes, prepayment is allowed with no penalties.
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