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Considering the huge amount and the long tenure involved, a home loan is surely a liability. But it also offers you some benefits. Buying a home is a big step. It is a source of anxiety, frustration -- and a huge sense of accomplishment. With the zooming property rates, it is difficult a buy a home through our savings entirely. Almost all of us have a to avail a home loan. Buying a home is one of the biggest financial investments you may make in your lifetime; and thats not just because of the sentimental value. The sum that most of us sink into our home does make it the largest component of our investment portfolio! Usually, a home loan is one of the biggest liabilities. Considering the huge amount and the long tenure involved, However your home loan also offers you some benefits. The below points highlights the advantages of taking a home loan. Sense of accomplishment Tax Benefit on Interest paid Tax Benefit on Principal Repayment

Owning a home is one of lifes biggest aspirations, at IDBI our home loan solutions are designed to offer you convenience and make the journey to your dream home a pleasant one. Our home loan solutions cater to your home loan requirements in a customized manner and are based on the following traits. Our expertise in-depth knowledge of the Industry. Quality of Service Transparency Quick Processing Power Packed customized Features to suit your Home Loan requirements.

Home Loan Home Home Loan 1. Can I get a Home Loan? From whom? Yes, you can avail of a Home Loan (Balance Copy). List of Housing Finance Institutions (HFIs) as follows :- HDFC ICICI LIC Home Finance IDBI Standard Chartered Grindlays HSBC CITI Bank SBI Home Finance 2. How much loan can I get? You can get a Home Loan of 80% of your purchase price upon qualification. 3. Who can be a co-applicant for the loan? You can include your spouse as a co-applicant for the home loan and we shall include his/her income to enhance your loan amount. Further, in case there are any other co-owners, they also need to be co-applicants. 4. Over what period can I repay the loan? You have the option of selecting a term you are comfortable with, up to 15 years. The term does not extend beyond retirement age or on your reaching 65 years of age whichever is earlier. 5. How do I repay the Home Loan? The home loan repayment is by Equated Monthly Installments (EMIs) comprising of interest and principal amount calculated on annual interests. EMIs can be paid by Post Dated Cheques or being directly deducted from your salary. In case of part disbursement of the loan, monthly interest is payable only on the disbursed amount. This interest is called Pre-EMI interest and is payable monthly till the final disbursement is made, after which the EMIs would commence. 6. What is the security for the loan? You need to provide security of the property and/or such other additional /collateral security as may be mutually agreed. 7. What does it take to get a loan sanctioned? Most of the Home Loan Companies (HFIs) are giving services at your Doorstep. All you have to do is to give a call and present the proof of your income, employment, balance sheet and other related papers and the loan is quickly sanctioned. 8. What documents are required to get the loan sanctioned? Our representative will discuss the documents you are required to submit in detail. An indicative list is given below :- Passport size photograph of all the applicants. Residence and age verification, which may be established from the PAN card, election ID ,passport, driving license and ration card. Bank statements for the last six months. Latest salary slip/statements showing all deductions in case of employed applicants. Certified copies of Balance sheets and profit and loss accounts, IT acknowledgement, advance tax challans ( for both Company/ Firm and Personal account ) for the last three years in case of self employed applicants. Memorandum/Articles of association for companies, partnership deeds for firms and a brief profile of your company/firm in case of self employed applicants. 9. How will I get the loan disbursed? Your loan will be disbursed on :- Your identification and selection of the property. Submission of legal documents. Legal and technical clearance of your property. On satisfactory completion of the above and on your investment of your own contribution , the loan amount (as warranted at the stage of construction) will be disbursed. 10. What tax benefits do I enjoy? Tax benefits are available on the principal and interest components of a loan as per the Income Tax Act,1961. As the benefits could vary from year to year , please do check out the current benefits available.

Centrum Housing Finance Limited (CHFL) is a professionally managed housing finance company catering to middle class India and providing financial inclusion to Lower and Middle Income (LMI) families by providing them access to hassle free long term housing finance. CHFL wants to empower underserved customers who face huge challenges in borrowing from the traditional lenders by tailoring the product to cater to their specific needs by using a combination of traditional methods and superior technology. CHFL is managed by Mr. Sanjay Shukla who is a veteran of over 25 years in the Housing Finance business in India. Mr. Shukla (MD CEO) and a team of experienced Housing Finance professionals are responsible for execution of day to day operations of the company, guided by an experienced Board. CHFL is registered with National Housing Bank (NHB) under section 29A of the National Housing Bank Act, 1987 as a Housing Finance Company under section 29A of the National Housing Bank Act, 1987 vide Certificate of Registration No. 11.0147.16 dated 10th November 2016.

Looking for the best home loan or mortgage loan? Money Consultant offers expert advice, low interest rates, and seamless loan assistance. Low Processing Fees Attractive Rate of Interest At Money Consultant, we understand that buying a home is more than a financial decision it's a lifelong dream. Thats why were committed to helping you find the best home loan and mortgage loan options in India. Whether you're a first-time homebuyer, looking to upgrade, or planning to mortgage your property, we guide you every step of the way. ✅ Why Choose Money Consultant for Your Home Loan Needs? We bring you personalized home loan solutions by partnering with leading banks and financial institutions like SBI, HDFC, ICICI, and others. Our expert consultants compare the best home loan interest rates and help you understand the home loan eligibility criteria, ensuring faster approvals and lower EMIs. 📊 Use Our Free Tools: Our website offers user-friendly tools like: Home Loan Calculator Estimate your monthly EMI Home Loan Eligibility Calculator Find out how much you can borrow Compare Home Loan Rates Make informed decisions instantly These tools simplify complex calculations and help you evaluate the total cost of the loan based on different lenders offers. 🏦 Mortgage Loan Assistance: In need of funds against property? Our mortgage loan services help you unlock the value of your real estate for business or personal use. Mortgage loans come with competitive interest rates and longer tenures, making them ideal for major financial requirements. 💼 Tailored for All Profiles: Whether youre a salaried professional, self-employed, or business owner, we provide options that match your income and financial standing. Our team specializes in securing home loans for salaried persons and simplifies paperwork, so you dont waste time chasing banks. 📈 What Sets Us Apart? 100% Transparent Process Fastest Turnaround Time No Hidden Charges Expert Financial Consultation All Major Banks NBFCs Covered

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