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Home Loan

  • Maximum Funding

  • Best Rate Committed

  • Low Processing Fees

  • Prompt Services



Mandatory Documents

ID Proof

PAN Card /Aadhar Card

Income Proof.

Income Tax Return from last 2 year (Balance sheet and P&L in case of business and professional person)

Employment Documents

Last 3 salary Slip, 6 Month Bank Statement

Property Documents


Procedure of Incorporation

Compilation of Documents
Appraisal of Documents
Processing With Bankers
Legal/ Valuation process
Sanction and Disbursal of Loan

Home loan is a type of loan to disburse by a bank or financial institution to individual or Individuals for buying a residential property where lender holds the title of property until the loan is fully paid with interest.

Any individual whether self-employed or salaried with a regular income can apply for home loans and their age should be minimum 21 years at the beginning of the loan and maximum should be 65 year at the end of the loan. This is the basic home loan eligibility criteria and can be differ from one lender to another.

The lenders consider following criteria during appraisal of Home Loan. • Earing of regular Income quantum. • Qualification and experience • Age of the applicant • Resident status whether he is resident or non-resident because limit for an Indian resident and non-resident is different. • Spouse’s income (Even household income can be taken into account when there is a co-applicant) • No. of dependants • Credit history and CIBIL score • Status and quantum of existing loans

A bankers and other lenders would allow only immediate family members as co-applicant in home loan application so friend does not qualify as co-applicant .

The maximum number of joint borrowers for home loan is fixed at 6 and immediate family members can become joint applicant. Further person who have good credit history and good CIBIL score are more preferable than have low CIBIL score and bed credit history.

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I am absolutely delighted with their service. It is really refreshing to work with as business and financial adviser who is truly interested in their client's needs, circumstances and preferences. Team is much accountable to deliver their services on timely manner. Their professional, ethical and caring demeanor elicits my trust and I gladly recommend their services whenever possible.

Anamika Dikshit

MD- YRSK Marketing & Branding Solutions Pvt Ltd.