Home Loan

A home loan is a long-term secured loan where the property is the security. Lenders assess both you (income, credit history, age) and the property (legal title, approvals, valuation). We help you understand the process and prepare for it.

Common uses

• Buying a ready or under-construction home
• Constructing on your own plot
• Plot plus construction
• Home renovation or extension
• Transferring an existing home loan

Eligibility considerations

Lenders set their own criteria. These are factors lenders commonly consider:

• Income, employment stability and age (which affects maximum tenure).
• Credit score and existing obligations.
• Loan-to-value limits set by the lender and applicable regulations.
• Legal and technical clearance of the property.
• Co-applicant income, where applicable.

Documentation guidance

The exact list depends on the lender and your profile. Typically requested documents include:

• KYC documents of all applicants.
• Income proof — salary slips, Form 16, ITRs, or business financials.
• Bank statements.
• Property documents — sale agreement, title deeds, approved plan, as applicable.

Please do not upload or send documents through the enquiry form. Our team will tell you what is needed and how to share it securely.

How we help

• Understand your requirement, repayment capacity and existing obligations.
• Explain what lenders typically look for and how to prepare.
• Help you organise your documents before you apply.
• Keep you informed and answer questions through the process.