Home Loan

New Flat Purchase

Embark on a seamless journey of acquiring a brand-new apartment with our new flat purchase option. Experience the epitome of modern living with state-of-the-art amenities, contemporary designs, and the assurance of meeting the highest construction standards. Navigate the process effortlessly by engaging with reputable real estate developers, understanding project details comprehensively, and efficiently completing all legal formalities.

Resale Flat Purchase

Explore immediate occupancy and established neighborhoods with our resale flat purchase option. Acquire existing properties from current owners, enjoying the advantages of a ready-made home. Ensure a smooth transaction by carefully inspecting the property, skillfully negotiating with sellers, and adeptly handling legal aspects, including property titles and outstanding dues.

Plot Purchase

Unlock the potential of your dream home by investing in a plot purchase. Acquire undeveloped land for future construction, carefully evaluating zoning regulations, infrastructure, and legal documentation. The investment potential lies in the area's development prospects and your personalized construction plans.

Plot plus Construction

Realize your vision of a customized home with our plot plus construction option. Take charge of both land acquisition and building responsibilities, collaborating with architects, contractors, and local authorities for seamless approvals. This option provides the unique opportunity to craft a home tailored to your preferences.

Independent House Purchase

Indulge in privacy and control by purchasing an independent house. Acquire a standalone dwelling, detached from other structures. Navigate the process with confidence, considering factors such as property condition, legal clearances, and potential renovation needs.

Home Loan Top-up

Empower your homeownership journey with a home loan top-up. Secure additional funds for renovations or personal needs, leveraging the convenience of this option, particularly beneficial for those with a commendable repayment history.

Sellers Balance Transfer

Simplify your transition into homeownership with the sellers' balance transfer option. Seamlessly transfer the existing home loan from the seller to the buyer, ensuring a smooth handover and inheriting favorable loan terms.

Pre-Approved Home Loan

Streamline your home-buying process with a pre-approved home loan. Gain conditional approval based on your financial profile, providing a clear budget and expediting your loan application for a swift and efficient home purchase.

Home Improvement/Extension Loan

Elevate your living spaces without the need to relocate through our home improvement/extension loans. Secure funds for enhancing or expanding your existing property by outlining your improvement plans and adhering to our lender's criteria. Embark on a transformative journey of upgrading your home to meet your evolving needs.


Frequent Asked Questions

What is an EMI in the context of a home loan in India?

EMI (Equated Monthly Instalment) is a fixed monthly payment comprising both principal and interest, ensuring timely loan repayment.

What is the role of a co-applicant in a home loan application in India?

A co-applicant can be a spouse or family member whose income and credit score are considered to enhance eligibility and loan amount.

Can I get a home loan for a property under construction in India?

Yes, lenders offer loans for under-construction properties, and disbursement occurs in stages as construction progresses.

How does the Indian home loan process differ for NRI applicants?

NRIs can apply for home loans in India, and the process involves additional documentation, including proof of income abroad.

What is the role of a home loan guarantor in India?

A guarantor is responsible for repaying the loan if the primary borrower defaults, providing an additional layer of security for the lender.

Can I switch from a fixed-rate to a floating-rate home loan in India?

Yes, many lenders allow borrowers to switch between fixed and floating rates, but certain terms and conditions may apply.

How is the interest rate on a home loan calculated in India?

Interest is typically calculated on a reducing balance method, where interest is charged on the outstanding principal amount.

What is the significance of the RERA Act in the Indian real estate sector?

The Real Estate (Regulation and Development) Act, or RERA, aims to protect homebuyers and regulate the real estate industry, promoting transparency and accountability.

Can I avail of a home loan for a second property in India?

Yes, some lenders offer home loans for second properties, often with different terms and conditions than primary home loans.

What is the impact of the repo rate on home loan interest rates in India?

Changes in the repo rate set by the Reserve Bank of India (RBI) can influence home loan interest rates, as banks adjust their lending rates accordingly.