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All Home Loans deals

Bank Loan Amount Rate Of Interest Processing Fees Tenure Action
5 Lacs - 35 Cr 8.5 - 11% Upto 1% 1 - 20 Years Apply

What you'll love

  • minimum Contribution - 10%
  • No Guarantor
  • 75 %- 90% of market value

Documents

  • KYC - PAN, ID Proof and Address Proof
  • Income Proof - Bank Statement, 3 months Salary Slip, 3 years ITR
  • Property related documents

Eligibility Criteria

  • Age between 18 - 65 
  • Salaried or Self-employed

Fees & Charges

  • Prepayment Charges - 0-2%

Additional Benefits

  • Doorstep Service
  • Top-up Loan Available
  • Part Payment Option
  • Quick Processing
 
8 Lacs - 75 Lacs 9.05 - 9.30% Upto 1% 1 - 30 Years Apply

What you'll love

  • Minimum Contribution - 10%
  • No Guarantor
  • 75% - 90% of Market Value

Documents

  • KYC - PAN, ID Proof and Address Proof
  • Income Proof - Bank Statement, 3 months Salary Slip, 3 years ITR
  • Property related documents

Eligibility Criteria

  • Age between 21 - 70 
  • Salaried or Self-employed

Fees & Charges

  • Prepayment Charges - 0%

Additional Benefits

  • Doorstep Service
  • Top-up Loan Available
  • Part Payment Option
  • Quick Processing
 
5 Lacs - 1 Cr 8.95 - 9.15% Upto 2% 1 - 20 Years Apply

What you'll love

  • Swift approval in Major metros
  • Easy Documentation
  • 75 %- 90% of market value

Documents

  • KYC - PAN, ID Proof and Address Proof
  • Income Proof - Bank Statement, 3 months Salary Slip, 2 years ITR
  • Property related documents

Eligibility Criteria

  • Age between 18 - 65 
  • Salaried or Self-employed

Fees & Charges

  • Prepayment Charges - 6%

Additional Benefits

  • Doorstep Service
  • Top-up Loan Available
  • Part Payment Option
  • Quick Processing
 
5 Lacs - 1 Cr 8.70 - 9.50% Upto 1% 1 - 20 Years Apply

What you'll love

  • Lower Interest for Women
  • Quick Processing
  • 75 %- 90% of market value

Documents

  • KYC - PAN, ID Proof and Address Proof
  • Income Proof - Bank Statement, 3 months Salary Slip, 3 years ITR
  • Property related documents

Eligibility Criteria

  • Age between 18 - 65 
  • Salaried or Self-employed

Fees & Charges

  • Prepayment Charges - 0-2%

Additional Benefits

  • Doorstep Service
  • Top-up Loan Available
  • Part Payment Option
  • Quick Processing
  • No Guarantor
 
* We have listed the following banks with which DIGITAL ONE WEB SOLUTIONS PVT LTD is a corporate agent and intermediary in some. However, the communication with few listed banks is based on the customer documentation and references. Though there is no official relationship with certain banks, based on customer insistence and the genuinely provided documents for loan, the company Digital One Web Solutions Pvt Ltd shall forward the same to the non-associated banks along the customer and the responsibility of documents shall be with us and post sanction, the responsibility and risk lies between the bank and the customer.

How it Works?

What is Home Loan or Housing Loan?

A home loan or housing loan is an amount borrowed by individuals for a fixed tenure from the bank or other financial institutions to construct, buy, renovate or repair a residential property. The lenders i.e bank or other institutions will charge a particular rate of interest on the amount borrowed, which has to be repaid by the borrowers along with the principal amount. Home loan is one of the largest selling banking products and it is considered to be the one which ensures the longest banking relationship with the lender.

Owning a home of your dream is a major decision in a person’s private life. However, as the cost of construction or purchase of property is quite high, the home loans play a major and almost indispensable role for the majority of home buyers. Home or housing loans are advances provided to borrowers who require funds to purchase houses/flats/land. One can also avail home loans for the construction, extension, and renovation of houses. Here the lenders can include either banking or non-banking financial institutions.

Why Home Loan

In the last few years, real estate has been one of the most profitable investment options for investors. No matter how lucrative it sounds, the rising position of real estate as an investment option has led to the price increase of property in the country. Both land and buildings have become extremely expensive for customers to purchase or opt for. This has led to the growth in the number of home loans that are applied in each day. The rise in the prices of real estate is one reason for borrowers availing home loans; one more major reason behind this is that property transactions are generally heavy as compared to other days to day financial transactions. As such, it is not necessary that the buyer will have to have entire property cost available with him or her at the time of buying their dream property. This is where home loans come into picture and bridge the gap between property seller and buyer.

Banks chip in to pay the amount on behalf of property buyer in return for a particular rate of interest. The general rule of home loan is 80-20 which means that banks will provide only 80% of the value of the home to customers and the rest 20% is to be taken care by the property buyer. This serves good for both banks and property buyers, since, banks are able to make profits by loaning out money while buyers can acquire the entire cost of property and pay it back over a fixed period of time.


The one more major advantage of home loan is that loans are also eligible for certain income tax exemptions which can be used to save some amount of income tax that an individual pays every financial year. Under section 24 of the Income Tax Act, one can claim the tax benefit up to Rs.1.5 lakh out of the interest component of your home loan. In case you are staying in the house bought on loan, then you can claim a maximum exemption of Rs.1 lakh on the principal amount of the home loan too.

Various Home Loans

Home Loan can be availed for various purposes based on your needs such as to purchase a plot, renovate a home, or to invest in a business. We have got all your home loan needs covered.

Home Purchase Loans

Home Loan for Construction

Plot Loans

Home Extension/ Renovation Loans

Home Conversion Loan

Balance Transfer Home Loan

NRI Home Loan

FAQ's about Home Loan

What is a Home Loan?

Usually it a loan disbursed to an individual to purchase or construct homes.

What is the tenure of Home Loan?

The tenure widely varies from bank to bank with minimum of 5 years upto 30 years.

Am I eligible for a Home Loan?

The eligibility criteria are quite simple.

You should be at least 21years with a stable and consistent income source.

What are documents required for availing Home Loan?

The documents required are

  • KYC - Identity proof and Address prof
  • Income Proof - Bank Statement, Salary Slip, ITR
  • Property related documents 

 What are the repayment methods?

Since the tenure is usually long, lenders opt for Electronic Clearing Service (ECS).

 

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