Antworks money Login

Become a financial buddy with AntworksMoney and earn sitting at home or in office just by referring your friends and relatives for loans, credit cards or other investment options.

Copyrights © 2017 - 2018 All Rights Reserved.

Best Housing Loans Offer

Bank Loan Amount Range Interest Rate Range Processing Fee Range Tenure Range Loan Features
100000 - 50000000 9.00%
Fixed
5000
Fixed
12 - 360 Months Show Details   

What you'll love

    • No guarantor required
    • Conditional pre-closure and part payment - only after 12 months

Documents

        KYC Documents:
       • Loan Application
       • Passport sized Photographs - (3)
       • Identity Proof- ( Photocopy of the Voter’s ID card / Passport / Driving License/ Adhar Card / IT PAN Card )
       • Residence Proof-  (Passport/ Driving License/ Telephone Bill/ Ration Card /Election Card/Any other Certificate from Statutory Authority).
       •  Age Proof - (PAN Card/ Passport/ Any other Certificate from Statutory Authority)
       • Bank Statement /the Passbook - ( Last 6 months ) 

        For Salaried Individuals:
     • Proof of Income :

       (a) Salary slip  - (Latest 2 month) /  Salary Certificate (If variable components like Over Time and Incentives are reflected then salary slips for the past 6 months are required)
       (b) Bank Statement   - ( Last 3 months ) including front page
       (c) Form – 16  if salary above Rs.20000/- per month
       (d) Company profile if it is a lesser known organization  /Passbook of the Salary account  
    Note: Original documents are required for verification purpose only
     
       For Self Employed Individuals( Professional ):
     • Proof of Income :

      (a)   IT- Returns - (Last 2 years) attested by a Chartered Accountant
      (b) Balance Sheet (Last 2 Years) and Profit & Loss Account of the firm duly attested by a Chartered Accountant
     (c)  Bank Statement - ( Last 6 months )for the Savings Account & Current Account, O/D Account)
      (d)  Salary Certificate (in case of doctors having salaried income)
      (e)  Form – 16A / Copy of Tax Deduction Certificate (if applicable)
       •  Brief Business Profile on the letter head of the firm by the applicant
       •  Copy of either Shop & Establishment License / VAT Registration or any other mandatory license / registration
       •  Copy of the Partnership Deed, Memorandum of Associations, Articles of Association  (if applicable)
       •  Details of Contract (if applicable)
       •  Copy of Advance Tax paid / Self Assessment Tax paid challan
       •   Copy of Educational Qualification Certificate
       •   Copy of Professional Practice Certificate

         For Self Employed Individuals(Non- Professional /Bussinessman):
      • Proof of Income :

       (a)   IT- Returns - (last 2 years) attested by a Chartered Accountant
       (b) Balance Sheet (last 2 Years) and Profit & Loss Account of the firm duly attested by a Chartered Accountant
     (c)  Bank Statement - ( last 6 months) for the Savings Account & Current Account, O/D Account
     (d) Form – 16A / Copy of Tax Deduction Certificate
      • Brief Business Profile on the Letter Head of the firm by the applicant
      • Copy of either Shop & Establishment License / VAT Registration or any other mandatory license / registration or old ITRs evidencing business
      • Copy of the Partnership Deed, Memorandum of Associations, Articles of Association  (if applicable)
      • Details of Contract (if applicable)
      • Copy of Advance Tax paid / Self Assessment Tax paid challan
      Note: Original documents are required for verification purpose only


Fees & Charges

    • Age at least 23 and less than 60 at the time of loan maturity for Salaried
    • Age at least 23 and less than 65 at the time of loan maturity for Self-Employed
    • Minimum Monthly Income Rs.30,000

Eligibility Criteria

     The eligibility of the applicant applying for Housing loan depends upon the repayment capacity of the borrower along with other relevant factors such as Indian resident or NRI

      • .Above 21 years of age at the commencement of the loan

      •  Below 65 when the loan matures

      • .Either salaried or self employed

      •  Repayment Capacity

      •   Educational qualifications

      •  Stability and continuity of income

      •  Number of dependents

      •  Co-applicant’s income

      •  Assets

      •  Liabilities

      •   Saving habits, and more


Perks

    • Door step service
    • Part-payment available
    • No guarantor required
    • E-approval
    • Top-up loan available
    • Balance transfer

DHFL:- DHFL was established by Late Shri Rajesh Kumar Wadhawan (16th April, 1949-30th September, 2000), a visionary Indian businessman. The Founder Chairman observed the sad truth that most Indians couldn’t get a housing loan on fair terms. He believed that owning a home is a critical element to the building of an identity for every Indian. He thus set out on a mission to manage this social need. On April 11, 1984, DHFL was established to enable access to affordable housing finance to the lower and middle income groups in semi-urban and rural parts of India

50000 - 1500000 %
Fixed
%
Fixed
12 - 60 Months Show Details   

What you'll love

    • No guarantor required
    • Conditional pre-closure and part payment - only after 12 months

Documents


      KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof -  ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      • Residence Proof - (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority).
      •  Age Proof - (PAN Card, Passport, Any other Certificate from Statutory Authority)
      • Bank Statement /the Passbook - ( Last 6 months )

        For Salaried Individuals:
      • Proof of Income :

      (a) Latest Salary Slips - ( Last 3months)
      (b) Form 16 - (Last 2years)
      (c)  Bank Statement - ( Last 6 months )
      •  Processing Fee Cheque in favour of ‘PNB Housing Finance Ltd.
      •  Photocopy of Title Documents of the Property, Approved Plan
      • Education Qualifications Certificate 

       For Self Employed Individuals( Professional ):
      • Proof of Income 
    :
       (a)  IT- Returns - (Last 3 years) attested by a Chartered Accountant
      (b) Balance Sheet- (Last 2 Years) and Profit & Loss Account of the firm duly attested by a Chartered Accountant
      (c)  Bank Statement - ( Last 12 months )
      •  Processing Fee Cheque in favour of ‘PNB Housing Finance Ltd.
      •  Photocopy of Title Documents of the Property, Approved Plan
      • Education Qualifications Certificate
      • Certificate & Proof of business existence along with Business Profile

      For Self Employed Individuals( Non-Professional / Businessman ):
      • Proof of Income :

       (a)  IT- Returns - (Last 3 years) attested by a Chartered Accountant
      (b) Balance Sheet- (Last 2 Years) and Profit & Loss Account of the firm duly attested by a Chartered Accountant
      (c)  Bank Statement - ( Last 12 months )
      •  Processing Fee Cheque in favour of ‘PNB Housing Finance Ltd.
      •  Photocopy of Title Documents of the Property, Approved Plan
      • Certificate & Proof of business existence along with Business Profile
     
    *All documents need self-attestation.


Fees & Charges

    • Age at least 23 and less than 60 at the time of loan maturity for Salaried
    • Age at least 23 and less than 65 at the time of loan maturity for Self-Employed
    • Minimum Monthly Income Rs.30,000

Eligibility Criteria

    • Age at least 23 and less than 60 at the time of loan maturity for Salaried
    • Minimum Monthly Income Rs.30,000

Perks

    • Door step service
    • Part-payment available
    • No guarantor required
    • E-approval
    • Top-up loan available
    • Balance transfer

Punjab National Bank:- Advantages of Home Loan from PNB Housing: Provides a wide range of home loan products like Home Purchase Loans, Home Construction Loans, Home Extension Loans, Home Improvement Loans and Plot Loans. Robust service delivery model – door step services ensuring easy and fast approval & disbursal of loans Excellent post disbursement services Facility of enhancement in loan amount in the event of escalations in cost Dedicated team of well-experienced employees who work on best-in-class information systems & network to deliver and provide customer satisfaction High standards of ethics, integrity and transparency Various repayment options Balance Transfer from other Bank Home Loan

500000 - 100000000 8.50%
Fixed
0.5%
Fixed
12 - 360 Months Show Details   

What you'll love

    • No guarantor required
    • Conditional pre-closure and part payment - only after 12 months

Documents

      KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof -  ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      • Residence Proof - (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority).
      •  Age Proof - (PAN Card, Passport, Any other Certificate from Statutory Authority)
      • Bank Statement /the Passbook - ( Last 6 months )
      • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card )

        For Salaried Individuals:
      • Proof of Income :

      (a) Latest Salary Slips - ( Last 3months)
      (b) Form 16 - (Last 2years) / IT- Returns
      (c)  Bank Statement - ( Last 6 months )
      • Processing fee cheque

      For Self Employed Individuals( Professional & Non- Professional/ Businessman):
      • Proof of Income :

        (a)  Bank Statement - ( Last 6 months )
        (b)  Balance sheet - (Last 3 years)
        (c)  IT- Returns - (Last 3 years)
        (d)  IT- Returns - (Last 3 years) of Profession
        (e)   Profit/Loss Statement -(Last 3 years)
      • Education Qualifications Certificate
      • Business Existence
      • Processing fee cheque
     


Fees & Charges

    • Age at least 23 and less than 60 at the time of loan maturity for Salaried
    • Age at least 23 and less than 65 at the time of loan maturity for Self-Employed
    • Minimum Monthly Income Rs.30,000

Eligibility Criteria

      The eligibility of the applicant applying for Housing loan depends upon the repayment capacity of the borrower along with other relevant factors such as:

        • Income 

        • Age 

       • Qualifications


       • Number of dependants

       • Spouse's income assets

       • Liabilities

       • Stability and continuity of occupation 

       • Savings history.


Perks

    • Door step service
    • Part-payment available
    • No guarantor required
    • E-approval
    • Top-up loan available
    • Balance transfer

HDFC Bank:- The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of RBI's liberalisation of the Indian Banking Industry in 1994. The bank was incorporated in August 1994 in the name of 'HDFC Bank Limited', with its registered office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995.

50000 - 2000000 %
Fixed
%
Fixed
12 - 60 Months Show Details   

What you'll love

    • No guarantor required
    • Conditional pre-closure and part payment - only after 12 months

Documents


         KYC Documents:
       • Loan Application
       • Passport sized Photographs - (3)
       • Identity Proof- ( Photocopy of the Voter’s ID card / Passport / Driving License/ Adhar Card / IT PAN Card )
       • Residence Proof-  (Passport/ Driving License/ Telephone Bill/ Ration Card /Election Card/Any other Certificate from Statutory Authority).
       •  Age Proof - (PAN Card/ Passport/ Any other Certificate from Statutory Authority)
       • Bank Statement /the Passbook - ( Last 6 months )

       For Salaried Individuals:
     • Proof of Income :
       (a) Salary slip             - (Latest 3 month) / Certificate for fixed salary/ Form -16
       (b) Bank Statement  - ( Last 6 months )  / Passbook of the Salary account 

        For Self Employed Individuals( Professionals & Non- Professionals):
         • Proof of Income :
        (a)    IT- Returns(Last 2 years)
        (b)   Bank Statement - ( Last 6 months )  /Passbook of the Salary account 



Fees & Charges

    • Age at least 23 and less than 60 at the time of loan maturity for Salaried
    • Age at least 23 and less than 65 at the time of loan maturity for Self-Employed
    • Minimum Monthly Income Rs.30,000

Eligibility Criteria


      For Salaried individuals :
       • Individuals in permanent service in the Government or reputed companies
       • Applicants should be above 21 years of age at the time of loan commencement and up to the age of 60 or superannuation.

    For Professionals eligible for home loan:
       • Professionals (i.e., doctors, engineers, dentists, architects, chartered accountants, cost accountants, company secretary, management consultants only) can apply.
       • Applicants above 21 years of age at the time of loan commencement and up to 65 years or less at the time of loan maturity meet our housing loan criteria.

     For Self-employed individuals:
      •  Any individual filing income tax returns can apply.
      • Applicants should be above 21 years of age at the time of loan commencement and up to 65 years or less at the time of loan maturity.



Perks

    • Door step service
    • Part-payment available
    • No guarantor required
    • E-approval
    • Top-up loan available
    • Balance transfer

Axis Bank:- Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. The bank has a large footprint of 3,304 domestic branches (including extension counters) and 14,163 ATMs across the country as on 31st March 2017. The overseas operations of the Bank are spread over nine international offices with branches at Singapore, Hong Kong, Dubai (at the DIFC), Colombo and Shanghai; representative offices at Dhaka, Dubai, Abu Dhabi and an overseas subsidiary at London, UK. The international offices focus on corporate lending, trade finance, syndication, investment banking and liability businesses. Axis Bank is one of the first new generation private sector banks to have begun operations in 1994. The Bank was promoted in 1993, jointly by Specified Undertaking of Unit Trust of India (SUUTI) (then known as Unit Trust of India), Life Insurance Corporation of India (LIC), General Insurance Corporation of India (GIC), National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd. and United India Insurance Company Ltd. The share holding of Unit Trust of India was subsequently transferred to SUUTI, an entity established in 2003.

100000 - 2000000 14.5 - 23%
Floating
%
Fixed
12 - 60 Months Show Details   

What you'll love



Documents

        KYC Documents :
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )
      • Bank statement / The Passbook - ( Last 6 months )

        For Salaried Individuals:
      • Proof of Income 
    :
      (a) Latest Salary Slip - (Last 3months)
      (b) Form-16 - (Last 2 years)
      (c) IT- Returns - (Last 2 years)

        For Self Employed Individuals( Professional ):
      • Proof of Income :

      (a)  IT- Returns - (Last 2 years) attested by a Chartered Accountant
      (b) Balance Sheet- (Last 2 Years) and Profit & Loss Account of the firm duly attested by a Chartered Accountant
      (c) Bank statement  - ( Last 6 months )and 3 months of all other bank accounts mentioned in the Balance Sheet.
     •  Education Qualifications Certificate 

        For Self-Employed Individuals( Non- Professional /Businessman):
      • Proof of Income :

      (a)  IT- Returns - (Last 2 years) attested by a Chartered Accountant
      (b) Balance Sheet- (Last 2 Years) and Profit & Loss Account of the firm duly attested by a Chartered Accountant
      (c) Bank statement  - ( Last 6 months )and 3 months of all other bank accounts mentioned in the Balance Sheet.


Fees & Charges



Eligibility Criteria


      • Home Loan can be availed by salaried Individuals, self-employed individuals and self-employed professionals.

      • Home Loan can be offered to Indian Residents only.

      For Salaried Individuals:
       • Minimum net income of Rs.120,000 per annum.
       • Minimum age at loan sanction – 24 years.
       • Maximum age at loan maturity – 60 years or super-annuation whichever is early.
       • Work Experience of minimum 1 year at current job and 2 years of total experience. If current job is less than 1 year, then 3 years of total experience required.

      For Self Employed Individuals( Professional & Non- Professional/ Businessman):
       • Minimum net annual income as per latest year ITR / Financials of & Rs.150,000.
       • Minimum age at loan sanction – 24 years.
       • Maximum age at loan sanction – 65 years.
       • Business continuity of last three years in the same field.


Perks

    • Door-step service
    • E- approval
    • Part-payment available
    • Top-up loan available
    • No guarantor required
    • Balance transfer

RBL Bank:- RBL Bank is one of India’s fastest growing private sector banks with an expanding presence across the country. The Bank offers specialized services under six business verticals namely: Corporate & Institutional Banking, Commercial Banking, Branch & Business Banking, Agribusiness Banking, Development Banking and Financial Inclusion, Treasury and Financial Markets Operations. It currently services over 3.15 million customers through a network of 246 branches and 388 ATMs spread across 20 Indian states and Union Territories.

50000 - 1500000 %
Fixed
%
Fixed
6 - 36 Months Show Details   

What you'll love



Documents

     

     KYC Documents:
      • Loan Application
      • Passport sized Photographs - (3)
      • Identity Proof- ( Photocopy of the Voter’s ID card / Passport / Driving License/ Adhar Card / IT PAN Card, ) Passport / Voter's ID card / Driving License / Job Card issued by NREGA / Adhaar Card / Registration certificate / PAN card (PAN Card only as identity proof) / any other document as acceptable to ABHFL )
      • Residence Proof-  (Passport/ Driving License/ Telephone Bill/ Ration Card /Election Card/Any other Certificate from Statutory Authority).
      •  Age Proof - (PAN Card/ Passport/ Any other Certificate from Statutory Authority)
      • Bank Statement /the Passbook - ( last 6 months )

        For Salaried Individuals:
       • Proof of Income :
       (a) Salary slip  - (Latest 3 months)
       (b) Form 16
       (c) Bank Statement - ( last 6 months )
      • Proof Other Income :
       (a) Rental receipts /Documents showing receipt of income.
      • Property Documents :
       (a) Copy of Title Documents and approved sanction plan.

         For Salaried and Self Employed / Professional / Partnership / Company :
      • Proof of Income :
        (a) IT- Returns / Financial Documents for last 2 years and computation of income certified by a CA for last 2 years
       (b) Bank Statement - ( last 6 months )
      • Proof Other Income
       (a) Rental receipts or Documents showing receipt of income
      • Property Documents  
      (a) Copy of Title Documents and approved sanction plan 



Fees & Charges

    Part payment fee = 0


Eligibility Criteria


        • Minimum age of applicant                                        -   21 years 

        • Maximum age of applicant at loan maturity        -    60 years 


Perks

    • Door-step service 
    • E-approval 
    • Part-payment available 
    • Top-up loan available 
    • No guarantor required 
    • Balance transfer 


Aditya Birla Finance Limited:- Aditya Birla Capital Limited (ABCL) is the holding company for all the financial service businesses of the Aditya Birla Group. With a strong presence across the life insurance, asset management, private equity, corporate lending, structured finance, general insurance broking, wealth management, equity, currency and commodity broking, online personal finance management, housing finance, pension fund management and health insurance business, ABCL is committed to serve the end-to-end financial services needs of its retail and corporate customers. Formerly known as the Aditya Birla Financial Services Limited (ABFSL), ABCL ranks among the top 5 fund managers in India (excluding LIC) with an AUM of Rs. 2,463 billion as on March 31st, 2017 and has a lending book of Rs 388 billion. ABC reported aggregate revenue from businesses at Rs. 106 billion and profit before tax of Rs. 11.5 billion for fiscal 2016-17. Anchored by over 12,000 employees, ABC has a nationwide reach through over 1,300 points of presence and more than 142,000 agents / channel partners

500000 - 50000000 8.6%
Fixed
2500
Fixed
12 - 300 Months Show Details   

What you'll love



Documents


        KYC Documents:
      • Loan Application
      • Passport sized Photographs - (3)
      • Identity Proof- ( Photocopy of the Voter’s ID card / Passport / Driving License/ Adhar Card / IT PAN Card )
      • Residence Proof-  (Passport/ Driving License/ Telephone Bill/ Ration Card /Election Card/Any other Certificate from Statutory Authority).
      •  Age Proof - (PAN Card/ Passport/ Any other Certificate from Statutory Authority)
      • Bank Statement /the Passbook - ( Last 6 months )

      • Proof of Income :
       (a) Salary slip - (Latest 3 months)
       (b) Form 16
       (c) Bank Statement - ( Last 6 months )
      • Proof of Educational Qualifications (where applicable)
      • Employment details
      • Details about the property in case you have finalized it before hand
      • Any other Obligation Documentation (SOA, Sanction Letters, etc.)


Fees & Charges



Eligibility Criteria


       The eligibility of the applicant applying for Housing loan depends upon the repayment capacity of the borrower along with other relevant factors such as:

       •  Age 

       •  Income

      •  Valuation of Property (Fair market value)

      •  Existing obligations, if any

      •  Stability/Continuity of employment/Business


Perks



Capital First:- Capital First Limited is One Of The Leading Indian Financial Institution  Spent Significant Time In Giving Obligation Financing To MSMEs And  Purchasers In India. The Establishing Topic Of Capital First Is That  Financing India's 50 Million MSMEs And Its Developing Working Class,  With A Separated Model, In View Of New Innovations Gives An Extensive  And Remarkable Open Door. Capital First Was Established In 2012 By  Management Buyout Of A Current Recorded NBFC And Upheld By A Main  Worldwide Private Value; In The Process The Organization Got New  Shareholders, Reconstituted Another Board, Began New Business Lines, And  Made Another Brand And Substance Called Capital First.

500000 - 100000000 8.70%
Fixed
1%
Fixed
36 - 360 Months Show Details   

What you'll love



Documents


        KYC Documents :
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )
      •  Age Proof - (PAN Card, Passport, Any other Certificate from Statutory Authority)
      • Bank statement / The Passbook - ( Last 6 months ) 

       For Salaried Individuals:
      • Proof of Income :

      (a) Latest Salary Slips - ( Last 3months)
      (b) Form 16 - (Last 2years)/ IT- Returns (Last 3 months)
      (c)  Bank Statement - ( Last 6 months )
      • Processing Fee Cheque 

        For Self Employed Individuals( Professional ):
      • Proof of Income :

       (a) Latest Salary Slips - ( Last 3months)
       (b) Form 16 - (Last 2years)/ IT- Returns (Last 3 months)
       (c)  IT- Returns - (Last 3 years) attested by a Chartered Accountant
       (d) Balance Sheet- (Last 3 Years) and Profit & Loss Account of the firm duly attested by a Chartered Accountant
      (e)  Bank Statement - ( Last 6 months )
      • Education Qualifications Certificate
      •  Processing Fee Cheque 

        For Self-Employed Individuals( Non- Professional /Businessman):
      • Proof of Income :

        (a) Latest Salary Slips - ( Last 3months)
       (b) Form 16 - (Last 2years)/ IT- Returns (Last 3 months)
       (c)  IT- Returns - (Last 3 years) attested by a Chartered Accountant
       (d) Balance Sheet- (Last 3 Years) and Profit & Loss Account of the firm duly attested by a Chartered Accountant
       (e)  Bank Statement - ( Last 6 months )
      • Education Qualifications Certificate
      • Processing Fee Cheque
      • Business Existence
      • Business profile


     


Fees & Charges

                

    • Part payment fee = 0 


Eligibility Criteria

      The eligibility of the applicant applying for Housing loan depends upon the repayment capacity of the borrower along with other relevant factors such as:

       • Income

       • Fixed monthly obligation

       • Current age

       • Retirement age etc. 


Perks

    • Door step service                          
    • E-approval                          
    •  Part-payment available                          
    • Top up loan available                          
    • No guarantor required                          
    • Balance tranfer


ICICI Bank:- ICICI Bank is India's largest private sector bank with total consolidated assets of Rs. 9,860.43 billion (US$ 152.0 billion) at March 31, 2017 and profit after tax of Rs. 98.01 billion (US$ 1.5 billion) for the year ended March 31, 2017. ICICI Bank currently has a network of 4,850 Branches and 13,917 ATM's across India. History  ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution, and was its wholly-owned subsidiary.

500000 - 100000000 8.35 onwards %
Fixed
0.5%
Fixed
12 - 300 Months Show Details   

What you'll love



Documents

     KYC Documents :
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )
      • Bank statement / The Passbook - ( Last 6 months ) 

        For Salaried Individuals:
      • Proof of Income :

      (a) Latest Salary Slips - ( Last 3months)
      (b) Form 16 - (Last 2years) / IT- Returns
      (c)  Bank Statement - ( Last 6 months )
      • Processing fee cheque

      For Self Employed Individuals( Professional ):
      • Proof of Income :

        (a)  Bank Statement - ( Last 6 months )
        (b)  Balance sheet - (Last 3 years)
        (c)  IT- Returns - (Last 3 years)
        (d)  IT- Returns - (Last 3 years) of Profession
        (e)   Profit/Loss Statement -(Last 3 years)
      • Education Qualifications Certificate
      • Business Existence
      • Processing fee cheque

        For Self-Employed Individuals( Non- Professional /Businessman):
      • Proof of Income :

        (a)  Bank Statement - ( Last 6 months )
        (b)  Balance sheet - (Last 3 years)
        (c)  IT- Returns - (Last 3 years)
        (d)  IT- Returns - (Last 3 years) of profession
        (e)   Profit/Loss Statement -(Last 3 years)
      • Education Qualifications Certificate
      • Business Existence
      • Business profile
      • Processing fee cheque
     


Fees & Charges

    • Preclosure fee = 0                          
    • Part payment fee = 0


Eligibility Criteria

    The eligibility of the applicant applying for Housing loan depends upon the repayment capacity of the borrower along with other relevant factors such as:

        • Age

        • Maximum educational qualification

        • Source of income

        • Spouse income
     
        • Number of dependents

        • Job stability 

        • Nature of occupation for self-employed  individuals

       • Total assets & liability of the applicant and their savings habits. 

       • Apart from these individual factors

       • Valuation of the property



Perks

    • Part-payment available                          
    •  Top-up loan available                          
    •  No guarantor required                          
    •  E-approval
    • Balance transfer    


IDBI Bank:- IDBI Bank Ltd. is today one of India's largest commercial Banks. For over 40 years, IDBI Bank has essayed a key nation-building role, first as the apex Development Financial Institution (DFI) (July 1, 1964 to September 30, 2004) in the realm of industry and thereafter as a full-service commercial Bank (October 1, 2004 onwards). As a DFI, the erstwhile IDBI stretched its canvas beyond mere project financing to cover an array of services that contributed towards balanced geographical spread of industries, development of identified backward areas, emergence of a new spirit of enterprise and evolution of a deep and vibrant capital market. On October 1, 2004, the erstwhile IDBI Bank converted into a Banking company (as Industrial Development Bank of India Limited) to undertake the entire gamut of Banking activities while continuing to play its secular DFI role. Post the mergers of the erstwhile IDBI Bank with its parent company (IDBI Ltd.) on April 2, 2005 (appointed date: October 1, 2004) and the subsequent merger of the erstwhile United Western Bank Ltd. with IDBI Bank on October 3, 2006, the tech-savvy, new generation Bank with majority Government shareholding today touches the lives of millions of Indians through an array of corporate, retail, SME and Agri products and services.

200000 - 30000000 8.40 %
Fixed
10,000
Fixed
12 - 360 Months Show Details   

What you'll love



Documents

         KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof -  ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      • Residence Proof - (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority).
      •  Age Proof - (PAN Card, Passport, Any other Certificate from Statutory Authority)
      • Bank Statement /the Passbook - ( Last 6 months )
      • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card )
      • Processing Fee Cheque 

      For Salaried Individuals:
      • Proof of Income :

      (a) Latest Salary Slips - ( Last 3months)
      (b) Form 16 - (Last 2years)
      (c)  Bank Statement - ( Last 6 months )
      • Processing Fee Cheque 

        For Self Employed Individuals( Professional & Non- Professional/ Businessman):
      • Proof of Income :

       (a)  IT- Returns - (Last 3 years) attested by a Chartered Accountant
      (b) Balance Sheet- (Last 3 Years) and Profit & Loss Account of the firm duly attested by a Chartered Accountant
      (c)  Bank Statement - ( Last 6 months )


Fees & Charges


Eligibility Criteria

    • The applicant must be older than 23 years and must not be over 70 years at loan maturity . 

      • He/she must be a resident Indian. NRIs can only apply for the NRI Home Loans.  

      • He/she must have a good credit history, with no obvious red flags.


Perks


India Bulls :- Indiabulls Housing Finance Ltd. (IBHFL) is the 2nd largest private housing finance company in India, regulated by the National Housing Bank (NHB). We are an ‘AAA’ rated company. We are a part of one of India’s leading business conglomerates – ‘The Indiabulls Group’, which was established in 1999 with business’ spread across housing finance, real estate and wealth management

500000 - 100000000 8.35%
Fixed
1.25 + Service tax. %
Fixed
12 - 240 Months Show Details   

What you'll love



Documents

      KYC Documents:

      • Loan Application

      • Passport sized Photographs (3)

      • Identity Proof -  ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )

      • Residence Proof - (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority).

      •  Age Proof - (PAN Card, Passport, Any other Certificate from Statutory Authority)

      • Bank Statement /the Passbook - ( Last 6 months )

      • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card )

      •  Education Qualifications Certificate


Fees & Charges



Eligibility Criteria

     The eligibility of the applicant applying for Housing loan depends upon the repayment capacity of the borrower along with other relevant factors such as:

       • Monthly or annual income

       • Source of income

       • Savings and credit history

       • Work experience

       • Age

      • Qualifications

      • Number of dependents

      • Probability of the individual continuing in the same occupation


Perks



Kotak Mahindra Bank:- Established in 1985, Kotak Mahindra Group is one of India's leading financial services conglomerates. In February 2003, Kotak Mahindra Finance Ltd. (KMFL), the Group's flagship company, received banking license from the Reserve Bank of India (RBI), becoming the first non-banking finance company in India to convert into a bank - Kotak Mahindra Bank Ltd. Effective April 1, 2015, ING Vysya Bank Ltd. merged with Kotak Mahindra Bank Ltd. As on June 30, 2017, Kotak Mahindra Bank Ltd, has a national footprint of 1,362 branches spread across 689 locations and 2,173 ATMs. The Bank has four Strategic Business Units – Consumer Banking, Corporate Banking, Commercial Banking and Treasury, which cater to retail and corporate customers across urban and rural India

500000 - 100000000 10 - 10.25%
Floating
1 + Service Tax. %
Fixed
36 - 300 Months Show Details   

What you'll love



Documents

      KYC Documents :
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - (Passport / Driving License / Voter’s Identity Card / PAN card / Identity card with applicant's Photograph issued by Government, Aadhar Card.)
      • Residence Proof -  (Passport / Driving License / Voter’s Identity Card / PAN card / Latest Utility bill /landline bill /postpaid mobile phone/ electricity/ water bill/ electricity bill) / Property Tax receipt / Bank or Post Office savings bank account statement / Letter of allotment of accommodation issued OR Leave and license agreements issued by Government to the employee)
     • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card )

        For Salaried Individuals:
      • Proof of Income :

       (a) Salary slip  - (Latest 2 month) / Salary Certificate
       (b) Form-16 /  IT- Returns - (Last 3 years)
       (c)  Bank Statement - ( Last 6 months )
      • Appointment / Confirmation letter of the current job if the job tenure is less than 1 year. 

        For Self Employed Individuals( Professional ):
      • Proof of Income :

      (a)  IT- Returns - (Last 2 years) attested by a Chartered Accountant
      (b) Balance Sheet - (Last 2 Years) and Profit & Loss Account of the firm duly attested by a Chartered Accountant
      • Partnership Deed in Case of Partnership Firm; MOA/AOA in case of Company.
      •  Business Existence
      • Tax audit reports of individual partnership & company
      • Latest share holding pattern attested by Chartered Accountant or Company Secretary-ship in case of company
      • VAT / Sales Tax Returns
      • In case of a company, list of directors attested by Chartered Accountant or Company Secretary-ship.
     • Education Qualifications Certificate
     • Sanction letter for working capital Limits & term loans with SOA.
     
        For Self Employed Individuals( Non-Professional / Businessman):
      • Proof of Income :

      (a)  IT- Returns - (Last 2 years) attested by a Chartered Accountant
      (b) Balance Sheet - (Last 2 Years) and Profit & Loss Account of the firm duly attested by a Chartered Accountant
      • Partnership Deed in Case of Partnership Firm; MOA/AOA in case of Company.
      • Proof of  Business Existence
      • Tax audit reports of individual partnership & company
      • Latest share holding pattern attested by Chartered Accountant or Company Secretary-ship in case of company
     • VAT / Sales Tax Returns
     • In case of a company, list of directors attested by Chartered Accountant or Company Secretary-ship.
     •  Education Qualifications Certificate
     • Sanction letter for working capital Limits & term loans with SOA. 

       Other General Documents for( Salaried and Self Employed):
     • NOC of loan closed within 1 year.
     • 1 year repayment track record for an existing loan.
     • Bank debits for all current loans appearing in CIBIL report but not appearing in Bank statements submitted.
     • Processing Fee cheque.
     • Duly filled up and signed Application Form and MID.
     • A cheque for payment of the loan processing fee.


Fees & Charges



Eligibility Criteria


        • These loans are issued all individuals, whether, salaried, self-employed professional or self-employed non-professional. 

       •  Salaried individuals between the ages of 21 years to 58 years or 60 years, subject to the age of retirement of the applicant. 

       •  Self-employed individuals between the ages of 21 years to 65 years, subject to the age of retirement of the applicant. 

       •  The applicant should have a minimum gross annual income of Rs.20,0000


Perks

    • Door step service 
    • E-approval 
    • Part-payment available 
    • Top-up loan available 
    • No guarantor required 
    • Balance transfer

Reliance Home Finance Capital:- Reliance Home Finance is one of India's leading financial services companies that serves over 33,300 customers across 99 locations. We believe in being a full service mortgages player with presence across affordable home loan, High value home loan, loan against property, construction financing, property services and property valuation services. As on March 31, 2017, our total disbursement has grown by 87% pushing our PAT by 99% and total income by 40%. We intend to play a leading role in the affordable housing segment and home loans to the business community. Our range of products and strong underwriting rules allow us to access the true credit worthiness of an individual, thereby providing access to finance which is true to his potential.

500000 - 100000000 8.35 onwards %
Fixed
0.25%
Fixed
12 - 360 Months Show Details   

What you'll love



Documents


      KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License/Adhar Card / IT PAN Card )
      • Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )
       • Bank statement / The Passbook - ( Last 6 months )

       For Salaried Individuals:(Any one of the following)
      • Proof of Income :

        (a) Latest Salary Slip - (Last 2months)/ Form-16 /  IT- Returns - (Last 3 years)
      • Increment or Promotion letter
      • Certified letter from Employer 

         For Self Employed Individuals( Professional ):(Any one of the following)
      • Proof of Income :

      (a)  IT- Returns - (Last 2 years) attested by a Chartered Accountant
      (b) Balance Sheet- (Last 2 Years) and Profit & Loss Account of the firm duly attested by a Chartered Accountant 

         For Self Employed Individuals( Non-Professional /Businessman):(Any one of the following)
      • Proof of Income :

       (a)  IT- Returns - (Last 2 years) attested by a Chartered Accountant
      (b) Balance Sheet - (Last 2 Years) and Profit & Loss Account of the firm duly attested by a Chartered Accountant 



Fees & Charges

    • Preclosure fee = 0
    • Part payment fee = 0


Eligibility Criteria

     The individual should be at least 18 years old on the date on loan sanction 

      • The maximum age up to which the home loan products can be availed and repaid is 70 years and by that time the entire loan should be repaid 

      Other factors depend on the individual loan products. To increase the eligibility of the applicant, the following factors can be added: 

      • Income of the spouse, son and/or daughter living with the applicant if they have a steady income and their respective salary accounts are maintained with SBI 

      • Expected rent income to be earned if the house for which the loan is being availed is expected to be rented out 

      • Depreciation 

      • Regular income from all sources 

      •  As security, equitable mortgage of the property is required.


Perks

    • Door step service 
    • E-approval 
    • Part-payment available 
    • Top-up loan available 
    • No guarantor required 
    • Balance transfer


State Bank Of India:- State Bank of India welcomes you to explore the world of premier bank in India. In this section, you can access detailed information on Overview of the Bank, Technology Upgradation in the Bank, Board of Directors, Financial Results and Shareholder Info. The Bank is actively involved since 1973 in non-profit activity called Community Services Banking. All our branches and administrative offices throughout the country sponsor and participate in large number of welfare activities and social causes. Our business is more than banking because we touch the lives of people anywhere in many ways. Our commitment to nation-building is complete & comprehensive

100000 - 2500000 10.99 - 19%
Floating
999 - 2%
Floating
12 - 72 Months Show Details   

What you'll love

    • No Guarantor required


Documents


      KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )
      • Bank Statement /The Passbook - ( Last 6 months )

        For Salaried Individuals:
      • Proof of Income :

       (a) Salary slip  - (Latest 2 month)
       (b) Form-16
       (c)  Bank Statement - ( Last 6 months )

        For Self Employed Individuals( Professional ):
      • Proof of Income :

        (a)  Bank Statement - ( Last 6 months )
        (b)  Balance sheet - (Last 3 years)
        (c)  IT- Returns - (Last 3 years)
        (d)  IT- Returns - (Last 3 years) of Profession
        (e)   Profit /Loss Statement -(Last 3 years)
      • Education Qualifications Certificate
      • Business Existence
     
        For Self Employed Individuals( Non-Professional /Businessman):
       • Proof of Income :

        (a)  Bank Statement - ( Last 6 months )
        (b)  Balance sheet - (Last 3 years)
        (c)  IT- Returns - (Last 3 years)
        (d)  IT- Returns - (Last 3 years) of profession
        (e)   Profit/Loss Statement -(Last 3 years)
      • Education Qualifications Certificate
      • Business Existence
      • Business profile
     



Fees & Charges

    • Preclosure fee = 2%
    • Part payment fee = 0

Eligibility Criteria


     •  Salaried individuals working in reputable companies

      •  Self-employed professionals.

      •  Self-employed non-professionals or businessmen.

      •  Borrowers should earn income sufficient to service the home loan they want to avail.

      •  Above 24 years of age at the time of borrowing the loan.

      •  Within 65 years of age or superannuation (for salaried individuals) whichever is earlier at the time of maturity of the loan.


Perks

    • Door step service 
    • E-approval 
    • Part-payment available 
    • Top-up loan available 
    • No guarantor required 
    • Balance transfer
       

TATA Capital:- Tata Capital Ltd., a subsidiary of the legendary Tata Sons Limited established in 2007 with the sole aim of providing focused and transparent financial solutions to help people realize their dreams. The interest brought forth Tata Capital Financial Services Limited, a one-stop monetary specialist co-op that takes into account the assorted needs of retail, corporate and institutional clients crosswise over organizations. Enrolled with the Reserve Bank of India as a Systemically Important Non Deposit Accepting Non Banking Financial Company (NBFC), the organization works crosswise over different ranges of business to be specific the Commercial Finance, Infrastructure Finance, Wealth Management, Consumer Loans and dispersion and promoting of Tata Cards. Today, Tata Capital Financial Services Limited is 100 branches old and tallying.

100000 - 2000000 %
Fixed
%
Fixed
12 - 60 Months Show Details   

What you'll love

    • No guarantor required                         
    •  No pre-closure and part payment fee 

Documents


      KYC Documents:

      • Loan Application

      • Passport sized Photographs (3)

      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )

      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )

      • Bank Statement /The Passbook - ( Last 6 months )

      • Proof of Income :

       (a) Salary slip  - (Latest 2 month) / Salary Certificate

       (b) Form-16 /  IT- Returns - (Last 3 years)

       (c)  Bank Statement - ( Last 6 months )


Fees & Charges


    • Preclosure fee = 0
    • Part payment fee = 0

Eligibility Criteria

       •  Age at least 23 and less than 60 

        • Salaried / Self - Employed with regular income,Earn more than the minimum income required 



Perks

    • Door step service 
    • E-approval 
    • Part-payment available  
    • No guarantor required 
    • Balance transfer
       

Yes Bank:- YES BANK has been recognized amongst the Top and Fastest Growing Banks in various Indian Banking League Tables by prestigious media houses and Global Advisory Firms, and has received several national and international honours for our various Businesses including Corporate Investment Banking, Treasury, Transaction Banking, and Sustainable practices through Responsible Banking. YES BANK is steadily evolving as the Professionals’ Bank of India with the long term mission of “Building the Finest Quality Bank of the World in India” by 2020.

100000 - 100000000 8.40%
Fixed
10000
Fixed
60 - 360 Months Show Details   

What you'll love

    • No guarantor required                         
    •  No pre-closure and part payment fee on floating rate loan 

Documents


     KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof -  ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      • Residence Proof - (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority).
      •  Age Proof - (PAN Card, Passport, Any other Certificate from Statutory Authority)
      • Bank Statement /the Passbook - ( Last 6 months )

         For Salaried Individuals:
      • Proof of Income :

      (a) Latest Salary Slips - ( Last 3months)
      (b) Form 16 / IT- Returns
      (c)  Bank Statement - ( Last 6 month)
      • Brief profile on the company.
      • Education Qualifications Certificate
     
      For Self Employed Individuals( Professional & Non- Professional / Businessman):
      • Proof of Income :

        (a)  Bank Statement - ( Last 1 year for both current and savings account.  )
        (b)  Balance sheet - (Last 3 years)
        (c)  IT- Returns - (Last 3 years)
        (d)   Profit /Loss Statement -(Last 3 years)
      • Education Qualifications Certificate
      • Business Existence
      • Agreement to sell or intent to sell needs to be provided
      • Original documents need to be provided for verification at the time of loan application
      • The loan applicant needs to give a proof of pension


Fees & Charges


     

Eligibility Criteria

     • Loan applicant’s income either through self-employment or salary 

       • The applicants’ age for the loan and the tenure of his work life left 

       • The qualifications of the loan applicant 

       • The family income of the loan applicant as well as the amount earned by the spouse 

       • The applicant’s employment stability and continuity 

       • Any assets and liabilities of the applicant 

       • The total number of dependents on the loan applicant’s income 


Perks

    • E-approval 
    • Part-payment available 
    • No guarantor required 
    • Balance transfer

Lic Housing:- About Us LIC Housing Finance Ltd. is one of the largest Housing Finance company in India. Incorporated on 19th June, 1989 under the Companies Act, 1956, the Company was promoted by LIC of India and went public in the year 1994. The Company launched its maiden GDR issue in 2004. The Authorized Capital of the Company is Rs.1500 Million (Rs.150 Crores) and its paid up Capital is Rs.1009.9 Million ( Rs.100.99 Crores). The Company is registered with National Housing Bank and listed on the National Stock Exchange (NSE) & Bombay Stock Exchange Limited (BSE) and its shares are traded only in Demat format. The GDR's are listed on the Luxembourg Stock Exchange.

500000 - 30000000 8.45 onwards %
Fixed
0.5%
Fixed
12 - 360 Months Show Details   

What you'll love

    • No guarantor required                         
    •  No part payment fee                         
    •  No pre-closure fee for floating rate loan

Documents


      KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof -  ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      • Residence Proof - (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority).
      •  Age Proof - (PAN Card, Passport, Any other Certificate from Statutory Authority)
      • Bank Statement /the Passbook - ( Last 6 months )

        For Salaried Individuals:
      • Proof of Income :

      (a) Latest Salary Slips - ( Last 3months) / Salary Certificate
      (b) Form 16
      (c)  Bank Statement - ( Last 6 month)

        For Self Employed Individuals( Professional & Non- Professional / Businessman):
      • Proof of Income :

        (a)  Bank Statement - ( Last 3 months )
        (b)  Balance sheet - (Last 3 years)
        (c)  IT- Returns - (Last 2 years)
        (d)   Profit /Loss Statement -(Last 3 years)
      • Business Existence
      •  Brief profile of the company on the company letterhead.
      • Copy of Sale Deed
      • Copy of Agreement for Sale
      • Approved plan in case of construction of new house or extension / addition of existing house.
      • Cost estimate and valuation report  by empanelled  Chartered Engineer / Architect
    Letter of Allotment of Co-operative Housing Societies / Housing Board / Apartment Owners' Association
      •  NOC from the Society or  Builders Association
    Property Tax paid receipt, Khata Legal Scrutiny Report, and mortgage permission if required.


Fees & Charges



Eligibility Criteria


      • Salaried individuals confirmed in the service with a minimum service of 3 years.

       •  Individuals engaged in business / professionals and self-employed persons. Such applicants should have been in the business/profession for a minimum period of 3 years.

       • A guardian on behalf of a minor, by declaring the date of Birth of the minor.

      • The age of the borrowers should not be more than 55 years at the time of availing the loan.

      • Persons above the age of 55 years are also eligible subject to certain stipulations.


Perks


    • E-approval 
    • Part-payment available 
    • No guarantor required 
    • Balance transfer
       

Canara Bank:- Director & CEO's Message As a premier commercial bank in India, Canara Bank has a distinct track record in the service of the nation for over 111 years. Today, Canara Bank has a strong pan India presence with 6111 branches and 10339 ATMs, catering to all segments of an ever growing clientele accounts base of 8.05 crore. Across the borders, the Bank has 8 branches, one each at London, Leicester, Hong Kong, Shanghai, Manama, Johannesburg, New York and DIFC (Dubai) & a Representative Office at Sharjah, UAE. We are recognized as a leading financial conglomerate in India, with as many as ten subsidiaries/sponsored institutions/joint ventures in India and abroad. In our second century of dedicated service to the nation, we aspire to emerge as a "Preferred Bank" by pursuing global benchmarks in profitability, operational efficiency, asset quality, risk management and expanding the global reach.

500000 - 100000000 15%
Fixed
2%
Fixed
12 - 180 Months Show Details   

What you'll love



Documents

     KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof -  ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      • Residence Proof - (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority).
      • Bank Statement  /the Passbook - ( Last 6 months )

        For Salaried Individuals:
      • Proof of Income :

      (a) Latest Salary Slips - ( Last 3 months)
      (b) Form 16 - (Last 2 years)
      (c)  Bank Statement - ( Last  6 month)
      • Education Qualifications Certificate 


Fees & Charges




Eligibility Criteria

    The loan amount you would be eligible for depends on a variety of criteria which could include:
     
     •  Net monthly income

     •  Age

     • Current employment status

     • Any other loan commitments you might already have, or the cost of the property for which you require a loan.


Perks



Cholamandalam Finance:- About Cholamandalam Investment and Finance Company Limited (Chola) Cholamandalam Investment and Finance Company Limited (Chola), incorporated in 1978 as the financial services arm of the Murugappa Group. Chola commenced business as an equipment financing company and has today emerged as a comprehensive financial services provider offering vehicle finance, home loans, home equity loans, SME loans, investment advisory services, stock broking and a variety of other financial services to customers. Chola operates from 725 branches across India with assets under management above INR 35,000 Crores. The subsidiaries of Chola are Cholamandalam Securities Limited (CSEC), Cholamandalam Distribution Services Limited (CDSL) and White Data Systems India Private Limited (WDSI). The vision of Chola is to enable customers enter a better life. Chola has a growing clientele of over 8 lakh happy customers across the nation. Ever since its inception and all through its growth, the company has kept a clear sight of its values. The basic tenet of these values is a strict adherence to ethics and a responsibility to all those who come within its corporate ambit - customers, shareholders, employees and society.

100000 - 2500000 12.5 - 16%
Floating
%
Fixed
12 - 60 Months Show Details   

What you'll love



Documents

     

     KYC Documents:

      • Loan Application

      • Passport sized Photographs (3)

      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )

      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )

      • Bank Statement /The Passbook - ( Last 6 months )

      •  Form 16/  Latest Salary slip

     

        For Self Employed Individuals( Professional ):

      • Proof of Income :

        (a)  Bank Statement - ( Last 6 months )

        (b)  Balance sheet - (Last 2 years)

        (c)  IT- Returns - (Last 2 years)

        (d)   Profit /Loss Statement -(Last 2 years)

       • Business continuity proof-  (5 years)

       

      For Self Employed Individuals( Non-Professional /Businessman):

       • Proof of Income :

        (a)  Bank Statement - ( Last 6 months )

        (b)  Balance sheet - (Last 2 years)

        (c)  IT- Returns - (Last 2 years)

        (d)  Profit/Loss Statement -(Last 2 years)

      • Business continuity proof-  (5 years)



Fees & Charges



Eligibility Criteria

     • You are an Indian resident.

      • You are between 25-58 years of age.

      • You are a salaried individual with a work experience of 3 years or more

      • The minimum loan amount is Rs.30 lakh and maximum Rs.10 crores.


Perks



Bajajfinserv:- While you go about acquiring means(finance), we let you do it in the least time and with the least effort. And we ensure your pursuits are not hindered by limited access to finance by extending the biggest ticket sizes across most of our portfolios. Through deep investments in technology, processes and people, we have constantly strived to deliver what we promise. We partner with the best in the game across the world to cut process time and sift out unnecessary details. We put a result oriented work culture ahead of everything else. We keep as much focus on simplifying life for our existing customers as we do for acquiring new ones. The net result - you get what you need in lesser time, a more transparent manner, so nothing comes in between you and your best self.

100000 - 3000000 %
Fixed
%
Fixed
12 - 60 Months Show Details   

What you'll love



Documents

     

    KYC Documents :
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - (Passport / Driving License / Voter’s Identity Card / PAN card / Identity card with applicant's Photograph issued by Government, Aadhar Card.)
      • Residence Proof -  (Passport / Driving License / Voter’s Identity Card / PAN card / Latest Utility bill /landline bill /postpaid mobile phone/ electricity/ water bill/ electricity bill) 

        For Salaried Individuals:
      • Proof of Income 
    :
       (a) Salary slip  - (Latest 2 month) / Salary Certificate
       (b) Form-16 /  IT- Returns - (Last 3 years)
       (c)  Bank Statement - ( Last 3 months )
     
       For Self Employed Individuals( Professional ):
      • Proof of Income :

        (a)  Bank Statement - ( Last 3 months )
        (b)  Balance sheet / Profit and loss account and all Schedules attested by Chartered Accountant
        (c)  IT- Returns - (Last 3 years)
        (d)   Profit /Loss Statement -(Last 3 years)
      • Education Qualifications Certificate
      • Business Existence (Last 3 years)
      • Computation of income
         
      For Self Employed Individuals( Non-Professional /Businessman):

      • Partnership deed
      • CA certificate mentioning the partnership and profit sharing details
     • Property Documents:
      (a) Copy of title deeds, agreement to sell, encumbrance certificate
      (b) Approved plans and clearance certificates from authorities concerned
      (c) Allotment letters and /or by-laws of the co-operative society / association of apartment owners.
      • Documents Required for Companies:
      (a) Memorandum & Articles of Association
      (b) Certificate of Incorporation
      (c) Chartered Accountant certificate for list of directors, shareholders and pattern of shareholding.


Fees & Charges



Eligibility Criteria

           •  You should be at least 23 years of age 

          •  Work experience of at least 2 years to avail a Home Loan from Citibank.


Perks



Citi Bank:- Citibank India is an Indian private sector bank headquartered in Mumbai, Maharashtra. It is a subsidiary of Citigroup, a multinational financial services corporation headquartered in New York City, United States. The Indian Headquarters are at Bandra Kurla Complex, a hub for multinational corporations in Mumbai.

500000 - 100000000 8.35 - 8.85%
Floating
0.5%
Fixed
12 - 360 Months Show Details   

What you'll love

    • No guarantor required                         
    •  No pre-closure and part payment fee    

Documents

    KYC Documents :
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - (Passport / Driving License / Voter’s Identity Card / PAN card / Identity card with applicant's Photograph issued by Government, Aadhar Card.)
      • Residence Proof -  (Passport / Driving License / Voter’s Identity Card / PAN card / Latest Utility bill /landline bill /postpaid mobile phone/ electricity/ water bill/ electricity bill) 

        For Salaried Individuals:
      • Proof of Income :

       (a) Salary slip  - (Latest 3 month) / Salary Certificate
       (b) Form-16
       (c)  Bank Statement - ( Last 6 months )
     
       For Self Employed Individuals ( Professional /  Non- Professional/ Businessman ):
      • Proof of Income :

        (a)  Bank Statement of current and saving account both.
        (b)  Balance sheet / Profit and loss account and all Schedules attested by Chartered Accountant
        (c)  IT- Returns
        (d)   Profit /Loss Statement -(Last 3 years)
      • Education Qualifications Certificate
      • Business Existence
      • Computation of income

      Cheque for processing fee favouring ‘HDFC Ltd.’


       


Fees & Charges



Eligibility Criteria

    When you apply for a home loan, your eligibility is primarily dependant on your income and repayment capacity.
    There are also some other factors that will determine your home loan eligibility – 

      • Your age, financial position, credit history, credit score, other financial liabilities etc.

      • You can enhance your eligibility for a home loan by – 

      • Adding an earning family member as co-applicant.

      • Availing a structured repayment plan.

      • Ensuring a steady income flow, regular savings and investments.

      • Furnishing details of your regular additional income sources.

      • Keeping a record of your variable salary components.

      • Taking actions to rectify errors (if any) in your credit score.

      • Repaying ongoing loans and short terms debts.


Perks

    • Door step service 
    • E-approval 
    • Part-payment available 
    • Top-up loan available 
    • No guarantor required 
    • Balance transfer
       

HDFC LTD.:- HDFC is a leading provider of Housing Finance in India. With our customised solutions we have fulfilled over 5.8 million dreams since inception

100000 - 7500000 15%
Fixed
As per the
preceding
section of the
Sanction Letter%

Fixed
12 - 240 Months Show Details   

What you'll love



Documents


    KYC Documents :
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - (Passport / Driving License / Voter’s Identity Card / PAN card / Identity card with applicant's Photograph issued by Government, Aadhar Card.)
      • Residence Proof -  (Passport / Driving License / Voter’s Identity Card / PAN card / Latest Utility bill /landline bill /postpaid mobile phone/ electricity/ water bill/ electricity bill) 

        For Salaried Individuals:
      • Proof of Income :

       (a) Salary slip  - (Latest 2 month) / Salary Certificate
       (b) Form-16
       (c)  Bank Statement - ( Last 3 months )
     
       For Self Employed Individuals ( Professional /  Non- Professional/ Businessman ):
      • Proof of Income :

        (a)  Bank Statement of current and saving account both.
        (b)  Balance sheet / Profit and loss account and all Schedules attested by Chartered Accountant
        (c)  IT- Returns - (Last 3 years)
        (d)   Profit /Loss Statement -(Last 3 years)
      • Education Qualifications Certificate
      • Business Existence
      • Computation of income
    Cheque for payment of processing fees.


Fees & Charges



Eligibility Criteria


     • You have to be an Indian Resident

     • You have to be minimum 21 years at the time of application 

     • You can be a salaried or a self-employed individual

     • Your loan eligibility will be derived on basis of your repayment capacity as well as the value of property under consideration

      • You can apply individually or jointly for Home Loans. However, all co-applicants need not be co-owners.


Perks



Shriram Finance:- The Shriram Group had its humble beginnings in the Chit Fund business over four decades ago. Mr. R. Thyagarajan and his two associates ventured into these and other financial services businesses. Over time, manufacturing and services were added to the Group. Shriram Group is however best identified by its flagship NBFCs – Shriram Transport Finance Co. Ltd. and Shriram City Union Finance Limited. The Group today manages assets of over 1 lac crore. Among financial services, the Group's businesses include Commercial Vehicle Financing, Consumer & Enterprise Finance, Retail Stock Broking, Life Insurance, General Insurance, Chit Funds and Distribution of Investment & Insurance Products. The Group has also made successful forays in non-financial products and services. It has investments in Manufacturing, Value Added Services, Project Development, Engineering Services, Pharmaceuticals, Machined & Auto Components, Press Dies & Sheet Metal Stamping, Packaging, Information Technology, Property Development etc.

500000 - 50000000 8.65 onwards %
Fixed
.60%
Fixed
12 - 300 Months Show Details   

What you'll love




Documents

      

      KYC Documents :
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - (Passport / Driving License / Voter’s Identity Card / PAN card / Identity card with applicant's Photograph issued by Government, Aadhar Card.)
      • Residence Proof -  (Passport / Driving License / Voter’s Identity Card / PAN card / Latest Utility bill /landline bill /postpaid mobile phone/ electricity/ water bill/ electricity bill) 

        For Salaried Individuals:
      • Proof of Income :

       (a) Salary slip  - (Latest 2 month) / Salary Certificate
       (b) Form-16 /  IT- Returns - (Last 3 years)
       (c)  Bank Statement - ( Last 3 months )


Fees & Charges



Eligibility Criteria


         Below is a list of eligibility criteria required for the applicant to match so that he or she will be eligible to seek a Allahabad Bank Home loan.
     
       • Any individual having a regular income are eligible for taking Allahabad Home loans
    Hindu Undivided Family ((HUF) are not eligible for Allahabad Home Loans. Only an Individual can avail the Allahabad Bank Home loan. 

       • The employees who have availed of housing loan from their own organisations are also eligible for availing housing loan from Allahabad Bank. 

       • The individual should be at least 21 years old. So anyone who is aged 21 years and above can easily avail the Allahabad Home loans if he or she matches the other mandated criterion.
     
      • Maximum age by which Allahabad Bank Home loan should be fully repaid as per bank’s policy is as under:
      • For Salaried Applicant:
       Maximum age for a person who is in employment i.e. who draws a fixed salary every month is the age of retirement, it means they should repay the Allahabad Bank Home loan before their retirement.
      • For Other Class of Applicant: Maximum age is 70 years.


Perks



Allahabad Bank:- Allahabad Bank is a nationalised bank with its headquarters in Kolkata, India. It is the oldest joint stock bank in India. On 24 April 2014, the bank entered into its 150th year of establishment. It was founded in Allahabad in 1865.

500000 - 100000000 10 - 19%
Floating
2 %
Fixed
12 - 180 Months Show Details   

What you'll love

    • No pre-closure  on floating rate loan

Documents


         KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof ( photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      •  Residence Proof ( photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )
      • Bank Statement /the Passbook ( Last 6 months )

         For Salaried Individuals:
     • Proof of Income :

        (a) Salary slip - (Latest 3 months)
       (b) Form- 16
       (c) Bank Statement - ( Last 6 months )

       For Self Employed Individuals( Professional ):
     • Proof of Income :

        (a)    IT- Returns -(last 3 years)
        (b)   Bank Statement - ( Last 6 months )  
       (c) Balance Sheet - (last 3 Years) and Profit & Loss Account of the firm
     •  Education Qualifications Certificate
     • Proof of Business Existence

       For Self Employed Individuals(Non- Professional/ Businessman):
     • Proof of Income :

       (a)    IT- Returns-(Last 3 years)
       (b)   Bank Statement - ( Last 6 months )  
       (c)    Balance Sheet - (Last 3 Years) and Profit & Loss Account of the firm
     • Education Qualifications Certificate
     • Proof of Business Existence

     


Fees & Charges



Eligibility Criteria

     The eligibility of the applicant applying for Housing loan depends upon the repayment capacity of the borrower along with other relevant factors such as:

      • Age at least 18 and less than 65 

      • The applicant must be an Indian resident


Perks

    • Door step service 
    • E-approval 
    • Part-payment available 
    • Top-up loan available 
    • No guarantor required 
    • Balance transfer
       

Aavas FINANCIERs Ltd.:- AAVAS FINANCIERS LIMITED (Formerly known as Au HOUSING FINANCE LIMITED) was originally incorporated as a private limited company at Jaipur, Rajasthan, under the name of “Au Housing Finance Private Limited” under the Companies Act, 1956 on February 23, 2011. Company got registered with National Housing Bank (subsidiary of Reserve Bank of India) as a Housing Finance Company (HFC) and awarded the license from National Housing Bank (NHB) in August 2011. It formally started its operations in March, 2012. Subsequently, the name of the Company was changed to “Au Housing Finance Limited” due to conversion from a private company to a public company on January 10, 2013. In March, 2017, the name of the company was changed from “Au HOUSING FINANCE LIMITED” to “AAVAS FINANCIERS LIMITED” (AAVAS) vide fresh Certificate of Incorporation (COI) dated 29th March, 2017. AAVAS is engaged in the business of providing housing loans, primarily in the un-served, unreached and under-served market which include the States of Rajasthan, Maharashtra, Gujarat, Madhya Pradesh, Haryana and Delhi

500000 - 50000000 10.67 - 0%
Floating
1 %
Fixed
12 - 360 Months Show Details   

What you'll love

    • No part payment and pre-closure fee                         
    •  No Guarantor required 

Documents


    KYC Documents:

       • Loan Application

       • Passport sized Photographs - (3)

       • Identity Proof- ( Photocopy of the Voter’s ID card / Passport / Driving License/ Adhar Card / IT PAN Card )

       • Residence Proof-  (Passport/ Driving License/ Telephone Bill/ Ration Card /Election Card/Any other Certificate from Statutory Authority).

       •  Age Proof - (PAN Card/ Passport/ Any other Certificate from Statutory Authority)

       • Bank Statement /the Passbook - ( Last 6 months )

       Proof of Income :

       (a) Salary slip  - (Last 6 months) /  Salary Certificate

       (b) Bank Statement   - ( Last 3 months ) including front page

       (c) Form – 16


Fees & Charges

    • Preclosure fee = 0                     
    • Part payment fee = 0 

Eligibility Criteria

        The eligibility of the applicant applying for Housing loan depends upon the repayment capacity of the borrower along with other relevant factors such as:

      •  At least 18 years old and less than 65 

      •  Applicant's Income

      •  Stability of Income

      •  Savings

      •  Assets

       •  Liabilities


Perks



GRUH Finance Ltd.:-

500000 - 50000000 10.40 p.a%
Fixed
0.5%
Fixed
12 - 360 Months Show Details   

What you'll love

    • No pre-closure and part payment fee

Documents


       KYC Documents:

      • Loan Application

      • Passport sized Photographs (3)

      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )

      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )

       • Proof of Income :

       (a) Salary slip  - (Latest 2 month) / Salary Certificate/ Form-16 /  IT- Returns - (Last 3 year)/       Bank Statement - ( Last 6 months )

        •  Civil Engineer’s Estimation.

        • Copy of Title Deed of the Property, if applicable.

        •  Approved Plan, if applicable.

        •  Letter from Third Part Guarantor, if applicable


Fees & Charges



Eligibility Criteria

     • HUF, Individuals aged between 18 and 50 Years.  

       •  In case of Joint Borrowers, if any one of the applicant's age is below 50, they can avail Loan under "TMB - Home" Loan Scheme, jointly


Perks

    • Part-payment available
    • Balance transfer

Tamilnad Mercantile Bank:- Tamilnad Mercantile Bank Limited is a bank headquartered at Tuticorin, Tamil Nadu, India. TMB was founded in 1921 as the Nadar Bank, but changed its name to Tamilnad Mercantile Bank in November 1962 to widen its appeal beyond the Nadar community. For the financial year 2016-2017, the bank reported a net profit of ? 3166 million. The bank currently has 509 full branches throughout India, 12 Regional offices and eleven Extension Counters, six central processing centres, one Service Branch, four Currency Chests, 19 eLobby centres and 1094 Automated Teller Machines. The bank has been expanding its footprint all over India.

100000 - 1500000 %
Fixed
%
Fixed
12 - 60 Months Show Details   

What you'll love

    • No pre-closure and part payment fee

Documents


    KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )
      • Bank Statement /The Passbook - ( Last 6 months )

         For Salaried Individuals:
      • Proof of Income :

       (a) Salary slip  - (Latest 2 month)
       (b) Form-16 -( Last 2 year)
       (c)  Bank Statement - ( Last 6 months )

        For Self Employed Individuals( Professional ):
      • Proof of Income :

        (a)  Bank Statement - ( Last 6 months )
        (b)  Balance sheet - (Last 3 years)
        (c)  IT- Returns - (Last 3 years)
        (d)   Profit /Loss Statement -(Last 3 years)
      • Education Qualifications Certificate
      • Business Existence
         
      For Self Employed Individuals( Non-Professional /Businessman):
       • Proof of Income :

        (a)  Bank Statement - ( Last 6 months )
        (b)  Balance sheet - (Last 3 years)
        (c)  IT- Returns - (Last 3 years)
        (d)  IT- Returns - (Last 3 years) of profession
        (e)   Profit/Loss Statement -(Last 3 years)
        • Business proof such as VAT/ service tax registration, incorporation details in case of companies,  copy of partnership deed .
      • Education Qualifications Certificate
      • Business Existence
      • Business profile



Fees & Charges



Eligibility Criteria


        The eligibility of the applicant applying for Housing loan depends upon the repayment capacity of the borrower along with other relevant factors such as:

       • Interest Rate

       •  Age

       •  Job Stability in case of Salaried (in years)

       • Minimum Credit Score

       •  Loan Amount

       • Loan to Value Ratio

       • FOIR (Fixed Obligations to Income Ratio)


Perks

    • Part-payment available 
    • Top-up loan available 
    • No guarantor required 
    • Balance transfer 

Indian Overseas Bank:- Indian Overseas Bank is a major public sector bank based in Chennai, with about 4000 domestic branches, including 1150 branches in Tamil Nadu, 3 extension counters, and eight branches and offices overseas as of 30 September 2014. Indian Overseas Bank has an ISO certified in-house Information Technology department, which had developed the software that its branches used to provide online banking to customers earlier.The bank has achieved 100% networking status as well as 100% CBS status for its branches. IOB has a network of about 3300 ATMs all over India. Indian Overseas Bank has branches in Singapore, Colombo, Seoul, and Bangkok. It has representative offices in Guangzhou, Vietnam, and Dubai. IOB also is part-owner of a joint-venture bank in Malaysia.

500000 - 25000000 10.35 - 10.6%
Floating
1%
Fixed
36 - 240 Months Show Details   

What you'll love

    • No guarantor required 
    • Balance transfer 

Documents


        KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )
      •  Age Proof – Passport / Birth Certificate / Driving License / SSLC or AISSE Certificate
      • Certified copy of Passport, Visa, Work Permit, ID card (Applicable for NRI customers)

         For Salaried Individuals:
      • Proof of Income :

       (a  Salary slip  - (Latest) / Salary Certificate
       (b) Form-16 ( Last 2 years) /  IT- Returns /  Bank Statement - ( Last 6 months )
      • Processing Fee Cheque
      • Repayment track record for any existing loan. 

         For Self Employed Individuals( Professional & Non- Professional/Businessman ):
      • Proof of Income :

        (a)  Bank Statement - (Last 12 months )
        (b)  Balance sheet -  (Last 2 years)
        (c)  IT- Returns - (Last 2 years)
        (d)   Profit /Loss Statement
      • Education Qualifications Certificate
      • Business Existence
      • Business Profile
      •  Processing Fee Cheque
      •  Certified copies of MOA/AOA/Partnership deeds, if applicable.
      •   Repayment track record for any existing loan.
      •  Copy of Property papers:
     (a) The applicant has to submit the copy of the legal documents pertaining to the property in question. Required in the cases of all applicants whether salaried, non salaried self employed, proprietorship firms/ Pvt. Ltd. Co. and partnership firms.
     



Fees & Charges



Eligibility Criteria

       The eligibility of the applicant applying for Dhanlaxmi Housing loan depends upon the repayment capacity of the borrower along with other relevant factors such as:

      • Income 

      • Age 

      • Qualifications

      • No.of dependents

      • Spouse’s income

      • Assets 

      • Liabilities 

      • Savings history

      • Stability

      • Value of the property in question and the steadiness of the applicant’s business.


Perks

    • Part-payment available 
    • Top-up loan available 
    • No guarantor required 
    • Balance transfer

Dhanalakshmi Bank:- Dhanlaxmi Bank Ltd is an old private sector bank headquartered in Thrissur City, Kerala, India. Dhanalakshmi Bank Ltd was incorporated on 14 November 1927 at Thrissur city,Kerala with a capital of ?11,000 and 7 employees. It became a Scheduled Commercial Bank in the year 1977. Today it has 280 branches and 398 ATMs spread over the states of Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Maharashtra, Gujarat, Delhi, West Bengal, Madhya Pradesh, Punjab, Uttar Pradesh, Rajasthan, Chandigarh, Goa, and Haryana

500000 - 150000000 9.57 - 9.82%
Floating
0.50%
Fixed
12 - 360 Months Show Details   

What you'll love

    • No pre-closure and part payment fee

Documents


         KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )
      •  Age Proof – Passport / Birth Certificate / Driving License / SSLC or AISSE Certificate
      • Certified copy of Passport, Visa, Work Permit, ID card (Applicable for NRI customers)

         For Salaried Individuals:
      • Proof of Income :

       (a  Salary slip  - (Latest 2 month) / Salary Certificate
       (b) Form-16 ( Last 2 years) /  IT- Returns - (Last 2 years)
       (c) Bank Statement - ( Last 6 months )

       For Self Employed Individuals( Professional & Non- Professional/Businessman ):
      • Proof of Income :

        (a)  Bank Statement - (Last 12 months )
        (b)  Balance sheet -  (Last 2 years)
        (c)  IT- Returns - (Last 2 years)
        (d)   Profit /Loss Statement - (Last 2 years)
      • Education Qualifications Certificate
      • Business Existence
      • Business Profile

        Others Required Documents:
       • Title deeds & Prior deeds
       • Encumbrance Certificates of 13 yrs from sub- Registrar office
       • Latest Land Tax Receipt
       • Certificate of Possession
       •  Approved Building plan
       • Sketch of the property 


Fees & Charges



Eligibility Criteria


       •  You need to be 18 years or more to get the Federal home loans sanctioned.

      •  Maximum age limit is 65 years.

      •  Any person either salaried, self-employed, business owner, or professional is eligible for   Federal Limited home loan with required annual income.
       
        Federal NRI Home Loan:

      NRIs are also given financial assistance for fulfilling their housing requirements in the form of a Federal Bank Housing Loan scheme. The features of the Federal Bank home loan scheme include:
     
      •  Federal Home Loans under this scheme can be availed to finance 85% of the housing project cost 

      •  The paperwork involved is minimal in nature and the loan approval process is quick 

      •  The loan can be utilized for constructing a house, purchasing a plot and construction thereon, repairs or renovations carried out on an existing house, etc. 

      •  The maximum amount of loan one can avail is up to Rs.1500 lakhs and the bank retains a margin of 15% to 20% of the total project cost 

      •  The loan can be repaid within a maximum tenure of 20 years through EMIs 

      •  This is a secured loan and the security required by the bank to offer the loan is the mortgage of the land or building purchased with the loan


Perks

    • E - Approval
    • Part-payment available 
    • Top-up loan available 
    • No guarantor required 
    • Balance transfer

Federal Bank:- The Federal Bank Limited is a major private sector commercial bank headquartered at Aluva, Kochi, Kerala. As on 31 March 2016, Federal Bank has 1252 branches and 1681 ATMs across the country. Its balance-sheet stood at Rs. 1.37 trillion as of end March 2016 and its Net Profit stood at Rs. 475 crore for the fiscal year.

500000 - 2000000 11.75 - 22 %
Fixed
2 -3 %
Fixed
12 - 240 Months Show Details   

What you'll love

    • No pre-closure and part payment fee

Documents

     
         KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )
      • Bank Statement /The Passbook - ( Last 6 months )

        For Salaried Individuals:
      • Proof of Income :

       (a) Salary certificate/  Salary Slip- (Last 3 years)
       (b)  IT- Returns - (Last 2 years)/ Bank Statement  


Fees & Charges



Eligibility Criteria

       •  The applicant must not be younger than 18 years or older than 70 years 

      •  Monthly income (documented or undocumented) of Rs.12,000 and more 

       • The applicant must have an impeccable credit history with no red flags


Perks

    • Door-step service 
    • E-approval 
    • Part-payment available 

India Shelter Finance Corporation:- India Shelter Finance Corporation Ltd (ISFC) is the new name of the erstwhile Satyaprakash Housing Finance India Limited (SHFIL) which was granted the certificate of Registration by National Housing Bank on 26th October, 1998. . The business was taken over by a group of professionals with experience across diverse businesses and relaunched on 12th March 2010.

500000 - 50000000 8.45 onwards %
Fixed
0.25%
Fixed
12 - 360 Months Show Details   

What you'll love

    • No guarantor required                         
    •  No part payment fee                         
    •  No pre-closure fee for floating rate loan 

Documents

     
         KYC Documents:

      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )
      • Bank Statement /The Passbook - ( Last 6 months )

         For Salaried Individuals:
      • Proof of Income :

       (a) Salary slip  - (Latest 2 month),  the statement of account with salary credit is mandatory
       (b) Form-16
       (c)  Bank Statement - ( Last 6 months )


Fees & Charges



Eligibility Criteria

    • Salaried employees, Professionals, Self-employed persons. 

      • Requests are also considered from NRIs, PIOs, HUF, and Prop. Firm, Partnership firms and corporate


Perks

    • Part-payment available 
    • Top-up loan available 
    • No guarantor required 
    • Balance transfer

Bank Of India:- Bank of India is commercial bank with headquarters at Bandra Kurla complex, Mumbai. Founded in 1906, it has been government-owned since nationalisation in 1969. Bank of India has 5100 branches as on 31 January 2017, including 56 offices outside India, which includes five subsidiaries, five representative offices, and one joint venture. BoI is a founder member of SWIFT, which facilitates provision of cost-effective financial processing and communication services.

500000 - 100000000 9.5 - 9.7%
Floating
0.50%
Fixed
12 - 360 Months Show Details   

What you'll love



Documents


    KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )
      • Bank Statement /The Passbook - ( Last 6 months )

         For Salaried Individuals:
      • Proof of Income :

       (a) Salary slip  - (Latest 2 month),  the statement of account with salary credit is mandatory
       (b) Form-16
       (c)  Bank Statement - ( Last 6 months )

        For Self Employed Individuals( Professional ):
      • Proof of Income :

        (a)  Bank Statement - ( Last 6 months )
        (b)  Balance sheet - (Last 3 years)
        (c)  IT- Returns - (Last 3 years) / Assessment Orders and financial statements attested by CA  is required
        (d)   Profit /Loss Statement -(Last 3 years)
      • Education Qualifications Certificate
      • Business Existence
      • For agriculturists, the income proof could be Income Certificate duly certified by competent Revenue Authority. 

       Plot related documents:
      • Sale Agreement between vendor and purchaser.
      • Name and address of the vendor and purchaser.
      • Tax receipts along with the photocopies of title deed of the said property in possession of the vendor.
      • Original payment receipts for payments done to builder/vendor.
      •  Approved plan copy.
      •  Valuation & life Certificate duly approved by Engineer
      • Lay out plan approval.


Fees & Charges



Eligibility Criteria


       •  Andhra bank adopts an uncomplicated and hassle-free processing and thus offers its home loans so as to make the loans available to a wider section of the customer base. 


    However, there are few mandatory requirements for the applicant to avail the home loan scheme by Andhra Bank. 

      •  Available to salaried individuals with or without pension either singly or jointly with family members. 

      •  Also, the loan is available for Agriculturists, Business & Self-employed persons with a regular flow of income from agriculture/business/industry/rents. 

      • Person(s) residing in DUBAI, UAE, Sharjah, either individually or jointly with
    Resident close relative. 

      • The applicant should be aged between 21 years to 65 years. 

      • The loan can be offered to a maximum term, wherein the applicant has attained the age of 75 years. 

      • Andhra Bank Home loans are offered to Resident Individuals / Non-Resident Individuals on either single or in combination with any family members as a joint applicant. 

      • The property should not be aged more than 25 years for an independent house, 20 years for flat etc. 

      • Andhra Bank Home loans are available for NRI applicants who have served at least 1 year as part of their employment abroad. 


Perks

    • Part-payment available 
    • No guarantor required 
    • Balance transfer

Andhra Bank:- Andhra Bank is a medium-sized public sector bank of India, with a network of 2803 branches, 4 extension counters, 38 satellite offices and 3636 automated teller machines as of 31 Mar 2016. During 2011–12, the bank entered the states of Tripura and Himachal Pradesh. The bank now operates in 25 states and three Union Territories. Andhra Bank has its headquarters in Hyderabad, Telangana, India.

500000 - 20000000 9.45 - 9.7%
Floating
0.5%
Fixed
12 - 360 Months Show Details   

What you'll love

    • No guarantor required                         
    •  No pre-closure and part payment fee                         
    •  Avail furniture & fixture loan up to 10% of your home loan amount. 

Documents


        KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof -  ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      • Residence Proof - (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority).
      •  Age Proof - (PAN Card, Passport, Any other Certificate from Statutory Authority)
      • Bank Statement /the Passbook - ( Last 6 months )
      • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card ) 

       Salaried – All Self Attested
         For Salaried Individuals:
      • Proof of Income 
    :
      (a) Latest Salary Slips - ( Last 3months)
      (b) Form 16 - (Last 2years)/ IT- Returns (Last 3 months)
      (c)  Bank Statement - ( Last 6 month)
      • Brief profile on the company.
      • Increment/ Appointment Letter from the employer where the annual benefits are shown.
      • Processing fee from the salary account.
     
      For Self Employed Individuals( Professional & Non- Professional / Businessman):
      • Proof of Income :

        (a)  Bank Statement - ( Last 1 year for both current and savings account.  )
        (b)  Balance sheet - (Last 3 years)
        (c)  IT- Returns - (Last 3 years)
        (d)   Profit /Loss Statement -(Last 3 years)
      • Education Qualifications Certificate
      • Business Existence
      • Processing fee from the salary account.
      •  Brief profile of the company on the company letterhead.
      •  Repayment track record for any existing loan. 



Fees & Charges



Eligibility Criteria

     • You are a major individual, resident or non-resident, having a regular source of income. 

       •  Your age on the maturity of the loan is less than retirement age if you are a salaried employee & below 65 years, if you have a business. 

       • The total deductions do not exceed 60% of your gross income, including the loan installment of the proposed loan.


Perks

    • E-approval
    • Part-payment available 
    • No guarantor required 
    • Balance transfer

Dena Bank:- Dena Bank, headquartered in Mumbai and its total branch network stands at 1,773. The bank was founded in 1938 and the Indian government nationalized it in 1969. Dena Bank was founded on 26 May 1938 by the family of Devkaran Nanjee under the name Devkaran Nanjee Banking Company. It adopted its new name, Dena Bank, when it incorporated as a public company in December 1939.

2000000 - 7500000 8.3 - 8.3%
Floating
0.5%
Fixed
12 - 360 Months Show Details   

What you'll love

    • No guarantor required                         
    •  No pre-closure and part payment fee 

Documents


      KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof -  ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      • Residence Proof - (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority).
      •  Age Proof - (PAN Card, Passport, Any other Certificate from Statutory Authority)
      • Bank Statement /the Passbook - ( Last 6 months )

        For Salaried Individuals:
      • Proof of Income :

      (a) Latest Salary Slips - ( Last 6 months) / Salary Certificate
      (b) Form 16 - (Last 2years)
      (c)  Bank Statement - ( Last 6 month)
      • Any EMI Debt

        For Self Employed Individuals( Professional & Non- Professional / Businessman):
      • Proof of Income :

        (a)  Bank Statement - ( Last 3 months )
        (b)  Balance sheet - (Last 3 years)
        (c)  IT- Returns - (Last 3 years)
        (d)   Profit /Loss Statement -(Last 3 years)
      • Business Existence
      • Business proof such as VAT/ service tax registration, incorporation details in case of companies,  copy of partnership deed .
      • Education Qualifications Certificate
      • Business profile


Fees & Charges



Eligibility Criteria

     • Individuals , Groups of individuals , who have attained 18 years ( completed) as on date of application and including Cooperative Societies , having a legal, identified and regular source of income either singly or jointly with Parents, sons, spouse.

     • NRI are also eligible for Housing loan.


Perks

    • Part-payment available 
    • No guarantor required 
    • Balance transfer 


Central Bank Of India:- Central Bank of India, a government-owned bank, is one of the oldest and largest commercial banks in India. It is based in Mumbai which is the financial capital of India and capital city of state of Maharashtra. The bank has 4730 branches, 5319 ATM's and 4 extension counters across 27 Indian states and three Union Territories. At present, Central Bank of India has overseas office at Nairobi, Hong Kong and a joint venture with Bank of India, Bank of Baroda, and the Zambian government. The Zambian government holds 40 per cent stake and each of the banks has 20 per cent. Recently it has also opened a representative office at Nairobi in Kenya

300000 - 100000000 8.65 p.a%
Fixed
1%
Fixed
12 - 240 Months Show Details   

What you'll love



Documents

        

     KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof -  ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      • Residence Proof - (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority).
      • Bank Statement  /the Passbook - ( Last 6 months )
    additional/alternate documents are required:
     
      For Salaried NRIs –

      • Indian Passport with overseas stamps/ copy of Visa/Work Permit. Overseas salary stub and NRE/NRO Account deposit information. 

     • Merchant Navy NRIs – Employment proof documents and report from local bureau.  

      • Self-Employed NRIs – Statement of bank account (Overseas/NRE/NRO) and relevant operating licenses, P&L statements, etc. Along with valid Indian Passport with VISA etc. 


Fees & Charges



Eligibility Criteria

    To avail a HSBC Limited Home loan, the following home loan eligibility criteria should be met:
     
      • HSBC Home Loans are available to both resident Indian individuals and NRIs. 

      • The minimum net income to apply for a HSBC home loan is Rs.5 lakhs/year for salaried employees and min. Rs.7.5 lakhs yearly for the self-employed. 

      • The applicant for home loan must have completed 21 years of age. 

      • The maximum age of salaried applicant on the date of home loan maturity should not exceed 58 years, while 60 years is the limit if applicant is an employee of a public limited company
    or      
       • Government employee and 65 years at time of loan maturity is the allowed limit for self-employed individuals. 

      • The property against which loan is sought should be insured with an insurance company against loss by fire, earthquake, flood and any other damages. HSBC should be the beneficiary under such an insurance policy.


Perks



HSBC India:- HSBC Bank India, is an Indian subsidiary of UK-based HSBC Holdings plc, is a bank with its operational head office in Mumbai. It is a foreign bank under the Banking Regulation Act, 1949 and thus is regulated by the Reserve Bank of India.

500000 - 5000000 12.5 p.a%
Fixed
No processing fee. -
Floating
12 - 240 Months Show Details   

What you'll love



Documents


     KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof -  ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card , job card issued by NREGA duly signed by an officer of the State Government
    Aadhar Card or Letter issued by the UIDAI )
      • Residence Proof - (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority).
      •  Age Proof - (PAN Card, Passport, Any other Certificate from Statutory Authority)
      • Bank Statement /the Passbook - ( Last 6 months )
      • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card ) 

       For Salaried Individuals:
     •  Original salary certificate for previous month.
    • IT Dept. certified documents as per bank’s requirements 

       For Self Employed Individuals( Professional & Non- Professional / Businessman):
      •  I.T. Returns
      • Computation of income
     •  Copies of advance tax payment challans
       Property documents :
     •  All certificates as requested by the bank ranging from non-encumbrance, NOC, title deed, sale agreement, etc. also need to be submitted either as copies or the originals. 


Fees & Charges




Eligibility Criteria

     

    Muthoot Housing Finance Company limited home loan is available to customers who are:
     
      • An Indian resident or NRI 

      • Above 21 years of age at the commencement of the loan 

      • Below 65 when the loan matures

      • Either salaried or self employed and 

      • Worthy of credit facility


Perks



Muthoot Finance:- Muthoot Finance Ltd. is an Indian financial corporation. It is known as the largest gold financing company in the world. In addition to financing gold transactions, the company offers foreign exchange services, money transfers, wealth management services, travel and tourism services, and sells gold coins at Muthoot Finance Branches. The company's headquarters are located in Kerala, India, and it operates over 4,400 branches throughout the country. Outside India, Muthoot Finance is established in the UK, the US, and the United Arab Emirates. While the company falls under the brand umbrella of the Muthoot Group, its stocks are listed on the Bombay Stock Exchange and NSE. As of March 2012, revenue stood at more than Rs. 23,000 crore. The target market of Muthoot Finance includes small businesses, vendors, farmers, traders, SME business owners, and salaried individuals

500000 - 150000000 9.35 onwards %
Fixed
1%
Fixed
60 - 240 Months Show Details   

What you'll love



Documents

     

       KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof -  ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card , job card issued by NREGA duly signed by an officer of the State Government
    Aadhar Card or Letter issued by the UIDAI )
      • Residence Proof - (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority).
      •  Age Proof - (PAN Card, Passport, Any other Certificate from Statutory Authority)
      • Bank Statement /the Passbook - ( Last 6 months )
      • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card ) 

       Salaried – All Self Attested
         For Salaried Individuals:
      • Proof of Income :

      (a) Latest Salary Slips - ( Last 3months)
      (b) Form 16 / IT- Returns
      (c)  Bank Statement - ( Last 6 month)
      • HR certification showing all allowances and reimbursements (if any)
      • Repayment track record for any existing loan.
     
      For Self Employed Individuals( Professional & Non- Professional / Businessman):
      • Proof of Income :

        (a)  Bank Statement - ( Last 6 months )
        (b)  Balance sheet - (Last 2 years)
        (c)  IT- Returns - (Last 2 years)
        (d)   Profit /Loss Statement -(Last 2 years)
      • Proof of business continuity for last 3 years
      • Business Existence
      • Short note on the nature of business, form of organisation, clients and suppliers, etc. 


Fees & Charges



Eligibility Criteria


      • Minimum Age                                            23 years   

      • Maximum Age                                             65 years or retirement, whichever is earlier

      • Minimum Gross Annual Income (Rs.)   500,000  
       



Perks



Deutsche Bank:- Deutsche Bank AG is a German global banking and financial services company, with its headquarters in the Deutsche Bank Twin Towers in Frankfurt. It has more than 100,000 employees in over 70 countries, and has a large presence in Europe, the Americas, Asia-Pacific and the emerging markets. As of June 2017 Deutsche Bank is the 16th largest bank in the world by total assets. In 2009, Deutsche Bank was the largest foreign exchange dealer in the world with a market share of 21 percent. The company was a component of the STOXX Europe 50 stock market index until being replaced on that index on 8 August 2016.

500000 - 5000000 10.5 - 10.75%
Floating
1%
Fixed
12 - 240 Months Show Details   

What you'll love



Documents

     

    KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof -  ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      • Residence Proof - (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority).
      •  Age Proof - (PAN Card, Passport, Any other Certificate from Statutory Authority)
      • Bank Statement /the Passbook - ( Last 6 months )

        For Salaried Individuals:
      • Proof of Income :

      (a) Latest Salary Slips - ( Last 6 months) / Salary Certificate
      (b) Form 16 - (Last 2years)
      (c)  Bank Statement - ( Last 6 month)
      (d)  Any EMI debit

        For Self Employed Individuals( Professional & Non- Professional / Businessman):
      • Proof of Income :

        (a)  Bank Statement - ( Last 3 months )
        (b)  Balance sheet certified by Chartered Accountant
        (c)  IT- Returns - (Last 3 years)
        (d)   Profit /Loss Statement
      • Business Existence
      •  Brief profile of the company on the company letterhead.
      • Business proof such as VAT/ service tax registration, incorporation details in case of companies,
      • Copy of partnership deed .


Fees & Charges



Eligibility Criteria


    These eligibility criteria determine the loan amount you can avail. Interest rate offer by Repco Home Finance also impacts the amount of loan you can avail from Repco Home Finance.
    Some of the key eligibility criteria are summarized in the table below:

      • Interest Rate

      • Age

      • Minimum Credit Score

      • Loan Amount

      • Loan to Value Ratio

      • FOIR (Fixed Obligations to Income Ratio)


Perks



Repco Bank:- Repco Bank is a cooperative bank established by the Government of India in 1969 to improve financial needs of repatriates from Sri Lanka and Burma. It has been controlled by the Ministry of Home Affairs and operated only in the South Indian states of Andhra Pradesh, Karnataka, Kerala and Tamil Nadu. As of 2014, the shares of the bank are Government of India has 73.33%, repatriates has 21.28% and state governments Tamil Nadu has 2.91%, Andhra Pradesh has 1.73%, Kerala has 0.59% and Karanataka has 0.17%.

500000 - 50000000 8.6 - 8.85%
Floating
10,000
Fixed
12 - 240 Months Show Details   

What you'll love



Documents


         KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof -  ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      • Residence Proof - (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority).
      •  Age Proof - (PAN Card, Passport, Any other Certificate from Statutory Authority)
      • Bank Statement  /the Passbook - ( Last 6 months )

        For Salaried Individuals:
      • Proof of Income :

      (a) Latest Salary Slips( Last 6 months)
      (b) Form 16 - (Last 2 years)
      (c)  Bank Statement - ( Last  3 month) / the Passbook - ( Last 6 months )
      (d)  Any EMI debit

        For Self Employed Individuals( Professional & Non- Professional / Businessman):
      • Proof of Income :

        (a)  Bank Statement - ( Last 6 months )
        (b)  Balance sheet - (Last 2 years)
        (c)  IT- Returns - (Last 2 years)
        (d)   Profit /Loss Statement -(Last 2 years)
      • Education Qualifications Certificate
      • Business Existence
      • Business Profile
      • Copy of partnership deed
      •  Business proof - ( as VAT/ service tax registration, incorporation details in case of companies)


Fees & Charges



Eligibility Criteria


    The eligibility of the applicant applying fo Housing loan depends upon the repayment capacity of the borrower along with other relevant factors such as:

      • Income

      • Age 

      • Qualifications

      • Assets 

      • Liabilities

      • Savings history

      • Stability

      • Value of the property in question and the steadiness of the applicant’s business


Perks



DBS Bank:- DBS Bank is a multinational banking and financial services corporation headquartered in Marina Bay, Singapore. The company was known as The Development Bank of Singapore Limited, before the present name was adopted in July 2003 to reflect its changing role as a regional bank.

100000 - 100000 12.95 - 15.45%
Floating
%
Fixed
6 - 36 Months Show Details   

What you'll love

    • No pre-closure and part payment penalty

Documents


         KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof -  ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      • Residence Proof - (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority).
      •  Age Proof - (PAN Card, Passport, Any other Certificate from Statutory Authority)
      • Bank Statement -( Last  3 month) /the Passbook - ( Last 6 months )

        For Salaried Individuals:
      • Proof of Income :

      (a) Latest Salary Slips / Salary Certificate
      (b) Form 16
      (c)  Bank Statement
      • A cheque for the payment of the required processing fees. 


Fees & Charges



Eligibility Criteria


     •  An applicant must have attained a minimum of 21 years in order to apply for Karur Vysya Bank home loans 

       • An applicant below the age of 60 years is eligible for the KVB Limited Home loan. 

      • A salaried individual or a self-employed professional who earns a regular income can take the KVB Limited Home loan. A non-salaried professional can also apply if the earnings are more than the minimum requirement. 

        • However, an individual also has to option to increase his/her eligibility of obtaining the KVB Housing loans by following any of the below-mentioned steps:
     
        • The applicant can add his/her spouse as a co-applicant for the loan. If done so, the spouse’s net income will also be taken into consideration while confirming the applicant’s income eligibility criteria

        • The longer the repayment period, the higher is the eligibility of the applicant for availing a loan with the bank. 

        • The applicant can also add their parents as co-applicants under the KVB Home loan


Perks

    • Part-payment available
    • Balance transfer


Karur Vysya Bank:- Karur Vysya Bank is an Indian private-sector bank, headquartered in Karur in Tamil Nadu. It was set up in 1916 by M. A. Venkatarama Chettiar and Athi Krishna Chettiar. The bank primarily operates in treasury, corporate/wholesale banking and retail banking segments. KVB provides services such as personal, corporate, agricultural banking and services to NRIs and MSME. Under personal banking, the bank provides housing loan, personal loan; insurance; and fixed deposits among others. Under corporate banking, KVB provides services like corporate loans; demat account, multicity current account and general insurance among others. Schemes provided by KVB under agricultural banking include Green Harvester, Green Trac and KVB Happy Kisan among others. Under MSME, the bank provides products such as KVB MSME Cash, KVB MSME Term Loan, KVB MSME Vendor Bill Discounting and KVB MSME Standby Term Loan among others. The bank had added more branches and 10 ATMs during the year thus bringing the total to 750 branches and 1,750 ATMs as on Sep 30, 2017. It introduced a number of initiatives in FY16 like reloadable cards, kisan credit cards, automatic passbook kiosk, e-book, etc. The latest being introduction of fast tag and UPI based payment system. Total business volume is 95,000 crore as on Mar 31, 2017.

500000 - 100000000 8.35 - 9.35%
Floating
0.5 + Service Tax %
Fixed
12 - 360 Months Show Details   

What you'll love



Documents


     KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof -  ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      • Residence Proof - (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority).
      •  Age Proof - (PAN Card, Passport, Any other Certificate from Statutory Authority)
      • Bank Statement -( Last  3 month) /the Passbook - ( Last 6 months )

        For Salaried Individuals:
      • Proof of Income :

      (a) Latest Salary Slips / Salary Certificate
      (b) Form 16
      (c)  Bank Statement - ( Last  3 month) / the Passbook - ( Last 6 months )

        For Self Employed Individuals( Professional & Non- Professional / Businessman):
      • Proof of Income :

        (a)  Bank Statement - ( Last 6 months )
        (b)  Balance sheet - (Last 2 years)
        (c)  IT- Returns - (Last 2 years)
        (d)   Profit /Loss Statement -(Last 2 years)
      • Education Qualifications Certificate 


Fees & Charges



Eligibility Criteria


    •  NRIs or PIOs holding a valid Indian or foreign passport can apply for Bank of Baroda Home loans. 

      • The applicants must be salaried or self-employed with a minimum annual income equivalent to Rs.5 lacs
     
      • Salaried individuals can avail a loan up to 48 times their monthly income over the last 2 years while self-employed individuals can avail a maximum loan of 4 times their average annual income over the last two years.


Perks



Bank Of Baroda:- Bank of Baroda is an Indian state-owned International banking and financial services company headquartered in Vadodara in Gujarat, India. It has a corporate office in Mumbai.

50000 - 1500000 10.65 - 11.65%
Floating
%
Fixed
12 - 60 Months Show Details   

What you'll love

    • No pre-payment penalty.


Documents


    KYC Documents:

    • Loan Application

    • Passport sized Photographs (3)

    • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )

    •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )

    • Bank Statement /The Passbook - ( Last 6 months )

    For Salaried Individuals:

    • Proof of Income :

    (a) Salary certificate/  IT- Returns - (Last 3 years)

    (b)  IT- Returns - (Last 2 years)/ Bank Statement  

    For Self Employed Individuals( Professional & Non- Professional/Businessman ):

    • Proof of Income :

    (a)  Bank Statement - ( Last 6 months )

    (b)  Balance sheet

    (c)  IT- Returns

    (d)   Profit /Loss Statement

    • Education Qualifications Certificate

    • Business Existence

    • For Agriculturist: Record of land holding & cropping pattern or any other proof of income.

    Property documents :

    • Title clearance report from advocate and valuation report from architect on Bank's panel

    • In case of takeover: Copy of home loan account statement for the entire period / Certificate from the lending institution giving pre-closure amount

    • Any other document/paper which may be necessary as per requirement of the case .


Fees & Charges



Eligibility Criteria

    •  Individuals or group of specified individuals (co-borrowers) having an assured source of regular income viz. salaried / self-employed persons, professionals, businessmen, farmers etc.(including Staff & NRIs )


    Further,

    1) The staff members of the Bank are also eligible subject to compliance of terms & conditions of Staff Housing Loan Scheme.


    2) The NRI may also avail a housing loan in India subject to compliance of specific terms at par with those applicable to a person resident in India.


Perks

    • Part-payment available
    • No guarantor required
    • Balance transfer

Oriental Bank of Commerce:- Vision & Mission Statement VISION STATEMENT

300000 - 5000000 17.75%
Fixed
1%
Fixed
12 - 240 Months Show Details   

What you'll love



Documents


    KYC Documents :

    • Loan Application

    • Passport sized Photographs (3)

    • Identity Proof - (Passport / Driving License / Voter’s Identity Card / PAN card / Identity card with applicant's Photograph issued by Government, Aadhar Card.)

    • Residence Proof -  (Passport / Driving License / Voter’s Identity Card / PAN card / Latest Utility bill /landline bill /postpaid mobile phone/ electricity/ water bill/ electricity bill)


    For Salaried Individuals:

    • Proof of Income :

    (a) Salary slip  - (Latest 2 month) / Salary Certificate

    (b) Form-16

    (c)  Bank Statement - ( Last 3 months )


    For Self Employed Individuals ( Professional /  Non- Professional/ Businessman ):

    • Proof of Income :

    (a)  Bank Statement of current and saving account both.

    (b)  Balance sheet / Profit and loss account and all Schedules attested by Chartered Accountant

    (c)  IT- Returns - (Last 3 years)

    (d)   Profit /Loss Statement -(Last 3 years)

    • Education Qualifications Certificate

    • Business Existence

    • Computation of income

    • Trade License

    • Shop & Establishment Certificate

    • Vat Registration Certificate

    • CST Registration Certificate

    • Service Tax Registration Certificate

    • GST Registration Certificate

    • Any other document issued by Government / Government Authority identifying the entity

    • Copy of property documents before sanctio

    Cheque for payment of processing fees.





Fees & Charges



Eligibility Criteria

    • Indian Resident

    • Minimum 23 years at the commencement of the Loan

    •  Upto 65 years of age at loan maturity*

    • Salaried and Self employed Segments

    • Formal and Informal Income Segments

    • Eligibility is dependent on applicant’s income and repaying capacity, age, employment/business vintage, assets and liabilities, cost of the proposed property etc.


Perks



Art Housing Finance Ltd:- ART Affordable Housing Finance (India) Limited [AAHF] is a professionally managed Housing Finance Company (HFC), registered with the National Housing Bank (NHB). The Company provides long-term housing loans to customers belonging to the Economically Weaker Sections (EWS), Low Income Group (LIG) and Middle Income Groups (MIG) in peripherals of urban India and semi-urban India. AAHF offers a suite of innovative and flexible Home Loan products to enable purchase, construction, extension and repair of dwelling units with a focus on affordable segment. The company also provides Loan Against Residential Property, Commercial property, with a clear focus on thin file clients and under-served sections of the society. With financially sound promoters, visionary leadership and a highly experienced team of home loan professionals, AAHF provides its clients with home loans to fulfil their dreams of having a home of their own. The Company strongly holds that the dream of home ownership should be all inclusive and this belief is aptly reflected in the company's motto of Humara Sapna, Sabka Ghar Ho Apna



Have a dream home in your mind? Thinking of investing in it? All you need is a home loan that will get you going without compromising any of your other financial responsibilities.

At Antworks Money, we help you to find the best home loan deals from the most reputed banks. Based on your financial needs and your monthly income, we help you zero in on the loan that would help you realize your dream of buying a home without pushing you into a cash crunch.

With most banks these days offering home loans, finding the loan that is best for you is not easy. With our home loan comparison offer, we help you understand the disparity in the interest rates, processing fees and tenure of the home loan that is offered by different banks

With our home loan comparison offer, you can be rest assured of finding the best home loan deal.

So, what are you waiting for? Come forth and check out this offer to find the best home loan for you.

Antworks Money Housing Loan Offers