Home Loan & Finance Services
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SBI Home Loan
State Bank of India
- Processing Fee: 0.35%
- Max Tenure: 30 years
- Max Age: 70 years
- Prepayment Charges: Nil
HDFC Home Loan
HDFC Bank Ltd.
- Processing Fee: 0.50%
- Max Tenure: 30 years
- Max Age: 65 years
- Top-up Loan Available
LIC Housing Finance
LIC Housing Finance Ltd.
- Processing Fee: 0.50%
- Max Tenure: 30 years
- Max Age: 70 years
- Balance Transfer Available
*Interest rates are indicative and subject to change. Contact us for exact rates.
Types of Home Loans Available
Home Purchase Loan
For purchasing a new or resale house/flat from developer or individual.
- Up to 90% of property value
- Maximum tenure: 30 years
- Interest rates from 8.4%
- Tax benefits under Section 80C & 24
Home Construction Loan
For constructing a new house on owned plot or for renovation.
- Stage-wise disbursement
- Based on construction progress
- Approved plan required
- Interest rates from 8.5%
Home Extension Loan
For extending or improving existing residential property.
- For additional rooms/floors
- Municipal approval required
- Up to 85% of extension cost
- Interest rates from 8.6%
Balance Transfer Loan
Transfer existing home loan to another bank for lower interest.
- Save on interest costs
- Better terms and conditions
- Top-up loan available
- Processing fee waiver possible
Documents Required for Home Loan
Identity & Address Proof
- PAN Card (Mandatory)
- Aadhaar Card
- Passport
- Voter ID
- Driving License
- Utility Bills (Latest)
Income Proof
- Last 3 months salary slips
- Form 16 (Last 2 years)
- Income Tax Returns (Last 3 years)
- Bank statements (6 months)
- Salary certificate
Property Documents
- Sale Agreement
- Title Deed
- Property Tax Receipts
- Building Plan Approval
- Encumbrance Certificate
- Occupancy Certificate
Photographs & Others
- Passport size photos (4)
- Property photographs (8)
- Cheque for processing fee
- Loan application form
- Processing fee receipt
Application & Document Submission
Submit loan application with all required documents
Time: 1-2 days
Processing & Verification
Document verification and property evaluation
Time: 3-5 days
Sanction & Approval
Loan sanction letter issued with terms & conditions
Time: 2-3 days
Legal & Technical Check
Property legal check and technical valuation
Time: 5-7 days
Disbursement
Loan amount disbursed to builder/seller
Time: 2-3 days
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