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Best Housing Loans Offer

Bank Loan Amount Range Interest Rate Range Processing Fee Range Tenure Range Loan Features
500000 - 50000000 9 - 12.5%
Floating
0.50 - 2%
Floating
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) 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

300000 - 20000000 8.9 - 10.05%
Floating
1000 - 5000
Floating
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 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.

500000 - 20000000 8.75 - 9.15%
Floating
0 - 10000
Floating
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

200000 - 100000000 8.7 - 12%
Floating
0 - 0.5%
Floating
12 - 360 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 - 20000000 9.35 - 12%
Floating
0 - 0.75%
Floating
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 - ( 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 - 7500000 10.99 - 18%
Floating
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
    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.



Antworks Money – The Best Home Loan Provider in India

Planning to buy a home! Do not get carried away by the lucrative offers offered by the different banks and financial establishments engaged in rendering home loans. Buying a home or making an investment in property is a life time decision for many. Hence, it is strongly recommended not to make haste and take your decision wisely.

Now get ready to fulfill your life time dream of owning a house of your choice at your own loved location. Antworks Money will help you with the complete solution and aid you in taking the advantage of the best Home loan provider in India without hassle.

We at Antworks Money understand your varied personal and professional responsibilities and hence help you enjoy Home loan offers to make sure you don’t need to compromise with your basic financial requirements.

Today, there are a number of the options for a customer looking for loans particularly Housing Loan Online but the biggest challenge is to choose the right bank or other financial company. We at Antworks Money help you in taking the advantage of best home loan offers by banks announced from time to time.

Antworks Money Housing Loan Offers

Why pay more and struggle when you can easily explore Antworks Money to compare home loan interest rates facilitated by the different home loan provides in the country. The amount of loan depends on certain factors.

Do not wait anymore and rush to make hassle- free loan application at Antworks Money and compare Home Loan in India to save your earned money payable as interest from the tenure opted to repay the availed home loan from a particular bank.

Let us learn more about Home loans and take a step towards the fulfillment of our wish of buying a home at our preferred location. You can go for a residential property considering your family need, financial arrangement, repaying capacity, and other essential factors.

If we talk about home loan then it is an amount to be borrowed from any banking and financial firm for buying a house. The home loan generally has two categories of interest rates which are fixed and floating interest rates. The person who has got the loan approved, need to pay the loan amount with the selected interest rate in the form of EMI within a determined period by the bank or financial institution whatsoever.

Antworks Money is undoubtedly the significant and Best Home loan provider in India and today we have seen that every person has a dream to buy his/her own house.

You can apply for Home Loan at antworksmoney.com where you will be able to do the following:

  1. You can check your eligibility criteria to get the Home Loan
  2. Estimate the amount of home loan that you would be eligible for
  3. Calculate the EMI of your Home Loan
  4. You can compare Home Loan in India and pick the best offers
  5. Fetch the best suitable home loan according to your need
  6. Apply Housing Loan Online

You can check, compare, and choose a home loan with AntworksMoney.com as it is an unrivaled comparison portal enabling a user to observe the difference between various home loan offers provided by different insurance providers.

All you need to submit basic details regarding your housing loan need which comprises the reason for applying for a home, a location where you want to buy the property, loan amount, duration of a loan, type of your employment, etc.

On the basis of your details, we will make you aware of best home loan offers in India so that you can get the best one as per your capacity. Our platform is magnificent because we are giving a great platform to compare the best suitable home loan offers based multiple criteria and select the most accurate loan for you.

We have home loan eligibility meter that will allow users to take a look at the variety of home loan in which they are eligible to avail. We know that every bank and the financial firm have different eligibility parameters, so with the help of our loan eligibility calculator, you can check that for which one, you are eligible.

Our loan calculator enables you to provide the information of EMI, the rate of interest, repayment options, and all that. There are many things that you should analyze before choosing the best home loan as per your eligibility.

Purchasing your own home is not a cake walk. It is the most crucial decision of life, so you need to search for Low-Interest Home loan so that you can pay your EMI easily. The tenure of home loan repayment also decides the complete cost of your dream home.

The long period of EMI can make your home purchasing costly. But there are many financial firm and banks that offer the affordable and exciting rate of interests to make home loan cost effective for the purchaser.

As we know that the principal part of your monthly installment which you will have to pay for the year is now enabled rebate or deduction under the section 80C of the Income Tax Act, 1961, so as per this criteria, the maximum deduction you can claim is up to 1.5 lakhs, but make sure if you are claiming this deduction, your home must not be sold during the tenure of 5 years of the possession.

When you are paying EMI for your home loan, it is having the two elements – principal repayment and Interest payment. If you want to claim the deduction in EMI for the year, then it can be claimed maximum up to an amount of 2 lakhs, which comes under the Section 24 of the Income Tax Act, 1961.

We know that the property rates are hiking immensely with time, which makes everyone to invest in the real estate. As the property rates increase, we can see that various other components that are adjacent to property also becomes expensive such as construction costing, renovation, civil work, electrical installation, rents, and all that.

These things make people invest in the property so that they can get the best return on investment for the long period but before buying a home, don’t forget to look for the best Home loan interest rates comparison in our loan eligibility calculator.

Now people are familiar with the home loan and home loan providers are coming with better and exciting home loan offers where they are offering cheapest home loans. There are many attractive and test home loan offers by banks but as we said before opting for any home loan, the comparison of different home loan provider is important to choose the best one for you.

Let’s take a look at the types of home loan:

House purchase loans: As the name refers, this type of home loan can be applied by the user when he/she wants to buy a new home. One can get the best home loans in India at AntworksMoney.com where you can compare the home loan as per the different eligibility criteria.

Home Construction Loan: This loan is offered when you want to construct your home, this type of loan is sanctioned when you have the land or plot in which you are planning to start constructing your home on your property.

Home improvement loan: If you want to renovate or remodel your home, then this home improvement loan is the best for you. It is becoming popular because several people want to renovate their home and moreover it has the same rate of interest like home purchasing loan.

Home conversion Loan: You can avail this home loan when you want to purchase a new home on the behalf of the loan from the existing house.

Plot loan/land Purchase Loan: This type of loan is for those who want to purchase a plot for investment purpose or for construction. Land purchase loan is similar to home loan but the main difference in this loan is that it can be availed for land or plot. However, there is less chance of a difference in the rate of interest, loan tenure, and process because it is similar to a home loan.

Home Extension Loan: People who want to extend your home space and not having the finance to do it, and then they avail this home extension loan. You can avail this loan when you want to extend your space because of a growing family or any other reason.

Purchasing a house is a really big investment and it needs proper financial management and planning prior to making a decision. Buying home is not everyone cups of tea and buying it out of their finances is not an appropriate decision.

When you are going to buy a home, you should always choose home loan rather paying lump sum cash. It is because there are multiple benefits of buying a home through home loan as compared to by paying cash.

As we have already described that one can claim the deduction on the rate of interest of their home loan under the section of Income Tax Act, 1961 or if you want rebate in principal repayment then you can avail the deduction under Section 80C of Income Tax Act, 1961.

Improve your credit score if you are paying your home loan installment timely and as we know that home loan repayment is a long term process, so it will create your credit score report and your credit score will improve which means that if you apply for any loan in the future, then you will get the approval without any hassle on the basis of your good credit score.

Suppose you have paid the complete payment for your home in cash full and final, then don’t you think that, you have locked your funds in only one place? You could have done more investment, if you have opted for the home loan. You could have earned interest on the amount which you have already invested in property. That is why people prefer home loan instead of buying home in full and final payment.

Well, there are hundreds of banks and financial institution that are offering loads of home loan offers to customers, but as a layman, we don’t know what is best for us. Moreover, most people don’t know whether they are eligible for the home loan or not.

With the help of loan eligibility calculator, one can see their eligibility for a home loan and with the comparison of the home loan facility; one can choose the affordable and suitable home loan as per their financial capabilities in future.

Now a male or a female fulfilling the home loan eligibility criteria can visit Antworks Money anytime to avail the best home loan offers in India. You are assured the best and satisfactory customer support services. Moreover, we provide impartial advice to make sure you choose the right home loan lending source.