#182/B, First floor, B.K Guda, S.R.Nagar, Hyderabad

Home Loans

When your home is an asset, don't put it in risk. Experience seamless and secure home buying experience. Buying a house was never easier with our flexible home loan. Attractive interest rates, transparent processes and costs, minimal documentation, quick disbursals and expert guidance make our Home Loans a better choice

Eligibility

Resident Type

Resident Indian

Minimum Age

18 years

Maximum Age

65 years

Loan Tenure

up to 30 years

Documents Required

List of papers/ documents applicable to all applicants:

  • Employer Identity Card: A copy of your Voter ID / Passport / Driving License / Aadhaar Card / PAN Card
  • Loan Application: Completed loan application form duly filled in affixed with 3 Passport size photographs
  • Proof of Identity: PAN/ Passport/ Driver’s License/ Voter ID card
  • Proof of Residence/ Address: Recent copy of Telephone Bill/ Electricity Bill/Water Bill/ Piped Gas Bill or copy of Passport/ Driving License/ Aadhar Card

Property Papers

List of papers/ documents applicable to all applicants:

  • Permission for construction (where applicable)
  • Registered Agreement for Sale /Allotment Letter/Stamped Agreement for Sale
  • Occupancy Certificate (in case of ready to move property)
  • Approved Plan copy (Xerox Blueprint) & Registered Development Agreement of the builder, Conveyance Deed (For New Property)
  • Payment Receipts or bank A/C statement showing all the payments made to Builder/Seller

Account Statement

List of papers/ documents applicable to all applicants:

  • Last 6 months Bank Account Statement
  • If any previous loan from other Banks/Lenders, then Loan A/C statement for last 1 year

Income Proof for Salaried Applicant/ Co-applicant/ Guarantor:

  • Salary Slip or Salary Certificate of last 6 months
  • Copy of Form 16 for last 2 years or copy of IT Returns for last 2 financial years, acknowledged by IT Dept.

Income Proof for Non-Salaried Applicant/ Co-applicant/ Guarantor:

  • Business address proof
  • IT returns for last 3 years
  • Balance Sheet & Profit & Loss A/c for last 3 years
  • Business License Details(or equivalent)
  • TDS Certificate (Form 16A, if applicable)
  • Certificate of qualification (for C.A./ Doctor and other professionals)
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Common Questions

You can apply for a Home Loan through our website:
EMI is calculated based on the loan amount, tenure and interest rate. Bank will take the outstanding loan amount at the end of each month and multiply it by the interest rate that applies to your loan, then divide that amount by 12.
Home Loan eligibility is calculated after considering various factors including monthly income, fixed monthly obligation, current age, retirement age, etc.
Under a floating rate of interest, loans are linked to the benchmark rate. Hence, whenever a bank increases or decreases the benchmark rate, the interest rates of the loans will fluctuate and the EMI or tenure of the loan will increase or decrease.
Fixed-Rate of Interest means the interest rate remains fixed throughout the loan tenure, so the EMI is also fixed.
Yes, there are tax benefits for a Home Loan. The type and amount of income tax deduction available against repayment of Home Loan are governed by applicable Income Tax Laws of Government of India.

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