Fulfil your dream of owning a home with the best offers. Home Loan comes with a host of benefits such as smaller EMIs where you can space out your payment over a longer tenure, attractive interest rates, an easy application process, doorstep service, etc.
We know that banks and financial institutions have different terms and conditions to approve the home loan. Keeping this in mind, our experts strive hard and research thoroughly to share a few of the important details related to your home loan.
Home Loans are available for purchase of a flat, row house, bungalow from private developers in approved projects and on purchase of properties from Development Authorities such as DDA, MHADA etc, properties in an existing Co-operative Housing Society or Apartment Owners' Association or Development Authorities settlements or privately built-up homes. Loans for construction on a freehold / lease hold plot or on a plot allotted by a Development Authority.
Once you avail a home loan, you can access your home loan account online on bank website. You can download account statements, interest certificates, request for home loan disbursement and do much more
Expert legal and technical counselling to help you make the right home buying decision. Integrated branch network for availing and servicing the Home Loans anywhere in India
Customized Repayment Options with tailor-made housing loan to suit your requirements.
24X7 Assistance is available through chat, whatsapp, sms and call to assist you with your housing loan related queries.
Avail tax benefits by claiming tax deductions on the interest and principal repayments. Under section 80C, you can claim tax deductions on principal repayment of up to Rs.1.5 lakh and up to Rs.1.5 lakh expenses on stamp duty. Under u/s 80EE and 80EEA exceptional circumstances, you can claim tax reduction up to Rs.2 lakh on interest repayment.
The home loan interest fee is much lower than most previous loan types. When you find yourself in a financial pinch, you may be able to get a home loan top-up at a lower interest.
Home loans have more extended repayment periods than other types of loans. Based on your papers and the amount of loan required, you can avail the loan for up to 30 years.
Real estate prices have been steadily growing for the last decade, and experts believe that this will continue in the long run. The fact that over a third of India's population is young means that many people will soon aspire to own homes. Given the low interest rates right now, it's brilliant to purchase a home while you can take advantage of these rates.
Due to low down payment facilities, home loan offers fast cash available for purchase. Plus, they come with fixed interest rates that are suitable for the borrower and the bank. If you live in a rented space, you will keep on paying rent without having a home for yourself. A home loan solves that problem and helps you invest in your own dream home. The interest you pay on a loan can be thought of as a type of forced savings.
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