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Home Loan | Loan Details
Home Loan
Loan Offer

Home Loan

Interest: 8.15
Up to 20,00000

About This Offer

📌 1. Definition

  • A home loan is a secured loan taken from a bank or financial institution to buy, build, or renovate a house.
  • The house/property is used as collateral (security).

📌 2. Purpose

  • To purchase a new house or flat
  • To construct a house
  • To renovate or repair an existing house

📌 3. How It Works

  • Customer selects a house/property
  • Pays a down payment
  • Bank gives remaining amount as loan
  • Customer repays in EMIs (monthly payments)
  • After full repayment, property becomes fully yours

📌 4. Loan Amount

  • Usually 75% to 90% of property value
  • Remaining amount paid by borrower

📌 5. Interest Rate

  • Interest is charged on loan
  • Two types:
  • Fixed Interest Rate – EMI remains same
  • Floating Interest Rate – EMI may change

📌 6. Loan Tenure

  • Long-term loan
  • Usually 10 to 30 years

📌 7. EMI (Equated Monthly Installment)

  • Monthly payment
  • Includes:
  • Principal
  • Interest

📌 8. Documents Required

  • Identity proof (Aadhaar, PAN)
  • Address proof
  • Income proof (salary slips, bank statements)
  • Property documents

📌 9. Eligibility

  • Stable income
  • Good repayment capacity
  • Good credit score
  • Age and employment type considered

📌 10. Types of Home Loans

  • Home purchase loan
  • Home construction loan
  • Home improvement loan
  • Home extension loan

📌 11. Advantages

  • ✔️ Helps to buy a house easily
  • ✔️ Long repayment period
  • ✔️ Tax benefits available
  • ✔️ Lower interest than personal loans


Maximum Amount
20,00000
Minimum Amount
25,0000
Interest Rate
8.15
Tenure
5
Processing Fee
1

Key Features & Benefits

  • Quick Approval
  • Lowest Interest Rates
  • Minimal Documentation
  • No Hidden Charges

Eligibility Criteria

  • Age: 21-60 years
  • Minimum Income: ₹20,000/month
  • CIBIL Score: 650+
  • Indian Resident

Documents Required

  • PAN Card
  • Aadhar Card
  • Last 3 Months Salary Slips
  • Bank Statement (6 Months)
  • Address Proof

EMI Calculator

Your Monthly EMI: ₹0

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