Get Your Dream Home with Easy Home Loans!

Owning a home is a big milestone, and a home loan can help make that dream a reality. With affordable interest rates, flexible repayment options, and quick processing, you can buy, build, or renovate your house with ease.

Attractive Interest Rates

Flexible Loan Tenure

High Loan Amount

Tax Benefits on Repayments

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What Is A Home Loan?

A home loan is a secured loan offered by banks and financial institutions to help you purchase, construct, or renovate a residential property. The loan amount is repaid in monthly installments (EMIs) over a fixed tenure, typically up to 30 years.

Buying a new house or apartment

Constructing a home on a purchased plot

Renovating or extending an existing property

Transferring an existing home loan for better interest rates

6 Factors to Consider Before Applying for a Home Loan

Before taking a home loan, keep these important factors in mind:

1. Loan Amount & EMI Affordability

Choose an amount that fits your monthly budget without straining your finances.

2. Interest Rates

Compare lenders for the best rates (fixed or floating) to reduce your total repayment burden.

3. Loan Tenure

Choose a repayment period from 3 months to 5 years, with some lenders offering even longer terms.

4. Processing Fees & Hidden Charges

Look out for additional costs like processing fees, prepayment penalties, and late payment charges.

5. Down Payment Requirement

Most lenders require 10-20% of the property value as a down payment.

6. Credit Score

Maintain a good credit history to secure lower interest rates.

Home Loan Eligibility Criteria

Age: 18 to 70 years
Employment Type: Salaried, self-employed professionals, or business owners
Income: Minimum income as per lender’s requirements
Credit Score: 750+ preferred for better interest rates
Loan-to-Value Ratio (LTV): Up to 90% of property value (varies by lender)

A higher credit score and stable income improve your loan approval chances! Check your eligibility and apply today!

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Documents Required for a Home Loan

Additional documents may be required based on your employment type and lender’s policies.

Identity Proof

Aadhaar Card, PAN Card, Voter ID, Passport, or Driving License

Address Proof

Aadhaar Card, Passport, Utility Bill, or Ration Card

Property Documents

Sale agreement, property title deeds, approved building plan

Bank Statements

You need Last 6 to 12 months of bank statements of your Account

Income Proof

Salary Slips (for salaried individuals), IT Returns (for self-employed)

Benefits of a Home Loan

Tax Benefits – Get tax deductions under Section 80C and 24(b) on principal and interest paid.
Long Repayment Tenure – Repay over 20-30 years for lower EMIs.
Build an Asset – Owning a home ensures long-term financial security.
Flexible Repayment Options – Choose EMIs that suit your budget.
Home Loan Balance Transfer – Shift to a lender offering lower interest rates to save money.