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Banks provide home loans for a variety of reasons and for differing circumstances.
Home Purchase Loan: This is the most common loan for purchasing a home.
Home Improvement Loan: This loan is given for implementing repair works and renovations to your home.
Home Construction Loan: This loan is available for the construction of a new home.
Home Extension Loan: Home extension loans are given for expanding or extending an existing home. For example, addition of an extra room, etc.
Home Conversion Loan: Available for those who have financed the present home with a Home Loan and wish to purchase and move to another home for which some additional funds are required. Through a Home Conversion Loan, the existing loan is transferred to the new home, including the additional amount required, eliminating the need for pre-payment of the previous loan.
Land Purchase Loan: This type of loan is sanctioned for purchase of land, mostly for home construction purposes.
Bridge Loan: The Bridge Loan is designed for people who wish to sell the existing home and purchase another. The bridge loan helps finance the new home, until a buyer is found for the old home.
Home Loan Balance Transfer: Balance Transfer loans help you pay off an existing home loan with a higher interest rate, and avail of a loan with a lower rate of interest.
Home Loans to NRIs: This loan is tailored for the requirements of NRIs wishing to build or buy a home in India.
Most institutions are willing to consider the joint incomes of the applicants for deciding the loan amount. As an advantage, some institutions do not require that the co-applicants be co-owners of the property to be purchased.
Personal loans are especially designed for people who don’t want to go through the hassles of providing security or hypothecation. This is a total unsecured loan where no form of collateral or guarantee is taken. However in case of software professionals, some banks do ask for a guarantor or a co-applicant.
No. Typically, you don’t have to provide a guarantor. However, some lenders may demand one. For more details, you can visit our product browser section.
Passport, Voter ID, Driving License, PAN Card, Photo attested by Banker, Adhar card
Birth Certificate, Passport, secondary school Certificate, PAN Card
One latest Passport size
Electricity Bill, Title Deed, Municipal Tax Receipt,
Share Certificate (with Flat No),Adhar card
Registered Rent agreement (with utility bill), Land line bill,Post Paid Mobile Bill, Bank state., Passport, Driving License, Voter ID, company letter head(signed by HR or Admin)
Land line bills (Optional as per policy), Relationship Proof ( if bill is of relation as specified)