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Home Loan

Basic Information about Home Loan

Home loan is a loan an Individual/Company can avail for purpose of

  • Purchase of Ready Flat/Home/Villa/Building (Residential) /Plot
  • Renovation Old Flats/Home/Villa
  • Construction/Extension of Home
  • Refinance of Earlier Purchased Home (with in 6 month)

In case of Home Loan Bank/NBFC’s make payment in favor of Seller/Builder/ Authority/Buyer(in case of Furniture and Fixture or Refinance)

Home Loan – Let’s simplify how this will go about and what are the steps.

  • The first step involved in the process is to find your property,
  • Know the Home Loan Eligibility
  • Select the Best Home Loan after evaluation
  • Applying for the Loan
  • Documentation Verification Process
  • Credit default check:
  • Bank sanctions Loan Offer letter to the borrower
  • Acceptance Copy to the Bank
  • Bank checks the legal documents:
  • Signing of agreement the loan disbursal

Required Documents

  • Colour Photo
  • Last 6 months bank A/C statement
  • Age proof of co-applicant
  • Passport size photograph of the applicant & co-applicant
  • PAN Card Copy
  • Residence Address Proof

Home Loan FAQ

  • How will HDFC decide the loan amount I am eligible for?
  • When can I make an application?
  • How do I make a loan application?
  • What does an EMI mean?
  • What does ‘market value’ of the property mean?
  • What does ‘Own Contribution’ mean?

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