• Guidance through out the process
• Home Loan amounts suited to your needs
• Home Loan tenure upto 20 years
• Simplified Documentation
• Doorstep Services
• Attractive interest rates
• Sanction approval without having selected a property.
• Free Personal Accident Insurance,optional(Term&Conditions) aply
• Insurance options for your home loan at attractive premium.
• Maximum Funding
• Flexibility of choosing between Floating or Fixed interest rate
• Attractive rate of interest
• EMI on daily reducing balance
• Personalised doorstep service
• Simple documentation
• Legal and technical assistance
• Balance transfer facility
• Reassessment and adjustment of applicants loan eligibility in case of change of income and residence status

• Individual
  • Application form
  • Passport copy / PAN Card / Ration card
  • Passport sized photographs of all applicants / co-applicants
  • Latest Form 16 and 3 months salary statement
  • Latest 6 month bank statement
  • Repayment track record, if any
  
  Sole Proprietor/Partnership/Pvt Ltd company
  • Application form
  • Passport copy / PAN Card / Ration card
  • Passport sized photographs of all applicants / co-applicants
  • Certified copies of MOA / AOA /Partnership deed
  • Repayment track record
  • 2 years audited financials
  • 2 yrs ITR of directors/partners
  • 6 months bank statement of main operating account
  • Professional qualification certificate in case of Doctors / CA / Lawyers / Architects

Q.Who can avail of Home Loans?
Ans. Salaried individuals in the age group of 21 to 58 or 60 years depending upon retirement age Self-employed individuals in the age group of 21 to 65 years (at the end of the loan tenure) Partnership Firms & Private Ltd Companies.

Q. Which Products can be Financed ?
Ans. Residential Property Purchase
       Balance Transfer cum Top Up
       Existing Customer Top Up

Q. How much finance can I avail of?
Ans. You can borrow up to 90% of the registered property value towards purchase of your dream home

Q.What are the tenure options?
Ans. Home loans range from a minimum of 3 years upto a maximum of 20 years

Q.How long will it take to process the loan?
Ans. Loans are processed within 2 working days of completing the documentation.

Q.Do I need a guarantor?
Ans. All property owners to be co-borrowers
For sole property owner or applicant -one adult family member to be co-applicant
Partners and Promoter Directors will be taken as co-applicant in case of Partnership and Pvt ltd co. respectively

Q.Do I have the option of pre-paying the entire loan amount?
Ans. Yes. One can pre-pay the loan at any time after 6 months from the date of final disbursement of the loan. Foreclosure charges applicable. 

Q.Can I make part pre-payment?
Ans. You can make part pre-payments of a minimum amount of Rs 50,000 after 6 months from the date of first disbursement of the loan. This payment can be made only once in a financial year subject to a maximum of 25% of the balance outstanding against your loan amount at the time of request. 
 
Q.How do I repay the loan?
Ans. Electronic Clearing System (ECS) OR
Post dated cheques (PDCs) 
 
 
Q.What are the stages involved in availing a loan?
Ans. The stages involved are:

• Application
• Processing
• Documentation
• Sanctioning of the loan Disbursement