Home Loan Service Providers at Sulekha have served 60 requests in bangalore since last 30 days. Find 750+ quick & instant housing loan for independent house, flat / apartment, plot, home construction, home extension / renovation at lowest EMI & interest rates from Top banks like HDFC, ICICI, Axis, Kotak, SBI, Standard chartered, Indusind, Canara Bank, Citibank, Corporation Bank, etc with CIBIL/ NON CIBIL defaulter. The loan amount ranges from Rs. 25,000 to Rs. 25 Lakhs with a tenure period of one to five years & minimum EMI interest rate.
Ontime and very good service provided at Doorstep
They helped in getting home laon from icici bank. This was big mistake in my life. Initially it was smooth, latter at time of disbursement Uttam saha one of direction tortured me a lot. It became so much complicated that disbursement got late and i have to pay interest to builder also. Becarful and think once more guys because dealing with them
home loan without any hassle, Mr chandra shekar of S V Financial solutions takes interest as he is doing for some one of his family
Dedicated support, prompt reply, quick process. I Have applied for my Home loans through this IIFL, Their response was good and without any delay, they explain the term and condition. I got a loan amount, I am so satisfied with this service.
Never thought getting a loan can be so easy... they really made it seemless for us.. they gave the best advice and completed the whole process in a smooth way.
Best advisor for buyer and door step service, i will recommend everyone of my contacts to Punith.
Single point contact.. Door to Door Service.. No service charges.. fantastic On time updates.. honest advices for buyers.. I will recommend everyone of my contacts to Punith.. keep up the good work..
Nice service availed HL in 4 days
8.35 - 8.55%
5L - 10Crs
8.35 - 8.80%
5L - 10Crs
SBI Home Loan
8.30 - 8.60%
8.50 - 10.25%
8.35 - 11.75%
5L - 10Crs
Bank of Baroda
8.30 - 9.35%
1L - 2Crs
IDBI Home Loan
8.35 - 8.60%
5L - 10Crs
DHFL Home Loan
9.00 - 9.35%
1L - 10Crs
1L - 2Crs
8.60 – 9.05%
5L - 10Crs
*As per rules, the applicability of GST for home loans will be at a consistent rate of a minimum of 18%.
There are also some other factors that will determine your housing loan eligibility (Your age, financial position, credit history, credit score, other financial liabilities etc.).
Plots and construction composite loans are applicable if you have identified a land plot and decided to construct on it. This loan generally ranges over a time period of 1 to 20 years. However, the tenure does not extend after the age of retirement.
Loans for purchase of land can be availed on plots that are directly allocated or on purchase of resale plots. It also includes transferring the outstanding loan you have in another bank/financial institution. You can spread out your payments to a maximum of 15 years and your payments are based on your personal profile, the age of the plot and other such factors.
Loans for home purchase generally involve down payments and closing costs. It may be extended upto a period of 30 years. The down payment generally ranges from 3 to 20 percent of the house value. To avail a home loan, you may need a credit score of 580 or higher.
Loans for construction of home generally range from a period of 1 to 20 years. However, in specific cases, it may be extended to 30 years. Loans for construction of a house are applicable for construction on a free hold/lease plot or a plot allotted by the suitable development authority.
House Extension or expansion loans are applicable if you’re planning to extend the capacity of your current residence. All owners of the house should be co-applicants while applying for Home Extension Loans. Home extension loans can be paid over a tenure ranging from 1 to 20 years in the form of monthly installments.
Home Conversion Loans are applicable to those who have already obtained a home loan from another bank or financial institution and are looking to shift their loan for a lower rate of interest or alternate the interest spread over the years.
If you’re looking for loans to apply for when you are modifying or making changes to your old home, then loans for home improvement is applicable to you. According to overall budget, 75-90 percent of the cost can be covered using a loan and may extend for a tenure between 1 and 20 years.
Balance Transfer for Home Loans is advantageous and applies to people who have already obtained a home loan from a bank/financial institution and are looking to shift to another bank to either alter their tenure or reduce their rate of interest.
NRI home loans are applicable to Indians living abroad when they wish to buy property in India. To qualify for this, they must adhere to certain eligibility criteria like having lived there for a minimum of 2 years and having worked there for a minimum of 6 months.
Bridge loans are short term loans which are obtained by clients who require immediate financing. Bridge loans are obtained by people for a temporary slack until they get their permanent financing. These bridge loans are backed by relatively higher interests and extend up to a term of a year at the most.
Stamp duty is the fee that is levied on documents and instruments, which varies from state to state. All documents that pass through the state are subjected to stamp duty. Stamp duty is required to prove the validity of the documents in the respective state.
A majority of the working force are not professionals; hence nonprofessionals, small retailers, accounts, doctors, etc. fall under this category and are eligible for obtaining a loan for a tenure up to 30 years. Hence, the EMI amount to be paid is reduced. However, this loan does not extend for the period after retirement.
Home Loans for Salaried employees extend from a period of 1 to 20 years. The minimum eligibility of obtaining a home loan starts from a monthly salary of INR 5000. Depending upon various factors like the maturity of the loan, salary, tenure of the loan, the home loan may be obtained.
Fixed rate loan allows the borrower to accurately estimate their tenure with no altercations whatsoever. Interest rates do not fluctuate and are not subjected to discounts, perse.
An adjustable rate mortgage is one in which the interest paid by the borrower keeps varying periodically throughout the tenure of the loan. The interest changes are dependent on the resets and may vary monthly or annually.
The FHA loan is insured by the federal housing agency as a sort of fallback to insure the borrower in case he defaults on the loan. Since FHA insures this, they try to look into the monetary capabilities of the borrower and how much he can afford.
The VA loan is guaranteed by the government for members of the Veteran Association. It enables military personnel to avail home loan without any down payment. The loan can be provided by any financial institution that is approved by the government to do so.
USDA is mortgage assistance program initiated by the US government for those who wish to buy property in rural or suburban areas. USDA is most advantageous as it offers mortgage with zero down payment options.