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Key Features of Our Salaried Home Loans

  • Loan Amount: Up to ₹5 Crore based on income and creditworthiness.
  • Flexible Tenure: Repayment period of up to 30 years.
  • Competitive Interest Rates: Starting from 8.00% p.a.
  • Minimal Documentation: Hassle-free processing with simplified paperwork.
  • Balance Transfer Facility: Transfer your existing home loan for better interest rates.
  • Top-Up Loan Option: Additional funds for home renovation or any other purpose.
  • Prepayment & Foreclosure Benefits: Enjoy zero or minimal charges on prepayment and foreclosure to reduce your loan burden faster.
  • Customized Loan Solutions: Tailored loan options based on your financial needs, ensuring flexibility and affordability.
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Types of Home Loans We Offer

  • Home Purchase Loan: Buy your dream home with a loan that covers the full cost of the property, from down payment to closing expenses.
  • Home Construction Loan: Building your own house from scratch? Our construction loans offer funding for materials, labor, and other costs associated with construction.
  • Home Renovation Loan: Upgrade your living space with a loan for home improvement or repairs. Whether it’s a kitchen remodel or a complete home makeover, we’ve got you covered.
  • Home Extension Loan: Need more space? Fund your home extension with our loan options designed to help you add more rooms or floors to your existing home.
  • Balance Transfer Loan: Transfer your existing home loan to us and enjoy lower interest rates and better terms, helping you save more over time.
  • NRI Home Loan: If you're a Non-Resident Indian (NRI) looking to buy property in India, we offer specialized home loans with attractive interest rates and flexible repayment terms.
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Eligibility Criteria for Salaried Home Loans

To qualify for a salaried home loan with Login to Loans, you must meet the following criteria:

  • Age: 23 to 60 years.
  • Employment Stability: Minimum 2 years of stable employment.
  • Income Proof: Stable monthly income as per lender guidelines.
  • Employment Type: Salaried employees working in private or public sectors.

Documents Required for Salaried Home Loan

To apply for a salaried home loan, you need to submit:

  • KYC Documents: PAN Card, Aadhar Card, Passport, or Voter ID.
  • Income Proof: Last 3-6 months’ salary slips or bank statements.
  • Bank Statements: Last 6-12 months to verify financial stability.
  • Employment Proof: Employment ID or Offer Letter.
  • Property Documents: Agreement of Sale, Title Deed, and other legal papers.

Why Choose Login to Loans for a Salaried Home Loan?

  • Tailored Loan Solutions: Customizable based on your salary structure.
  • Quick Loan Processing: Fast approval with minimal paperwork.
  • Higher Loan Amounts: Based on income and creditworthiness.
  • Flexible Repayment Options: Choose EMI options that suit your budget.

How to Apply for a Salaried Home Loan?

  • Step 1: Check your loan eligibility online.
  • Step 2: Submit your documents for verification.
  • Step 3: Get loan approval and finalize the terms.
  • Step 4: Receive the funds directly into your bank account.

Frequently Asked Questions

What is the maximum home loan tenure in India?
Up to 30 years (varies by lender).
What is the interest rate on home loans?
Ranges from 8.30% to 12% p.a. (floating or fixed rates).
Can I prepay my home loan without penalty?
Most banks allow prepayment, but some charge a fee for fixed-rate loans.
Can NRIs get a home loan in India?
Yes, with additional documents like passport, visa, and overseas employment proof.
What is the processing fee for a home loan?
Usually 0.5% to 1% of the loan amount (up to ₹50,000).
Is a guarantor required for a home loan?
Only if the borrower’s income or credit score is insufficient.
How long does loan approval take?
3-7 days if documents are complete.

List of Home Loan Banks in India