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Self-Employed

 Self-Employed
 Business

Self-employed Professional

 Self-employed
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  Loan amount you need?

Rs.

  Rate of Interest

%

  Tenure

Years
Months

  Profit Before Tax (Latest Year) ?

Rs.

  Depreciation (Latest Year) ?

Rs.

  Interest Paid to Bank (Latest Year) ?

Rs.

  Director Salary or Partners Salary(Monthly) ?

Rs.

  What is your gross monthly salary?

Rs.

  What is your annual turnover?

  What is your annual receipt?

Rs.

  What is your Gross Profit?

Rs.

  What is your annual bonus incentives?

Rs.

  What is your rental income(monthly)?

Rs.

  Total Existing EMIs on all loans (Monthly)?

Rs.

  Total Monthly Interest Paid to bank in CCOD Limit ?

Rs.

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Home Loan / Mortgage Loan:

A Home Loan is a sum of money borrowed from a bank of non-banking financial institution to purchase a house. A Home Loan is taken either for buying a house / flat; a plot of land for construction of a house; or renovation / modification of an existing house.
The property to be purchased is mortgaged to the lending bank / NBFC as a security till the repayment of the loan.
The Interest Rates for Home Loan can be fixed or floating depending on the need of the borrower.

Who can avail a Home Loan?

Any individual between the age-group of 24 to 65 years (in case of self-employees) and 60 years (in case of salaried employees). A salaried Employee is eligible for a Home Loan as long as his Repayment Capability can be established by the lending Bank / NBFC.Individuals
1 Salaried Individuals: an Individual who is in permanent service in any Government Establishment or any reputed private sector company in India. A Home Loan can also be availed by a NRI – Non Resident Indian working with any reputed Company.
2 Professionals: individuals practising following such professions – Doctors, Lawyers, Architects, Chartered Accountants, Company Secretariat, Management Consultants.
3 Self Employed: Individuals like traders, shop-keepers, distributors, manufacturers, service providers etc.
Non-Individual Entities:
Proprietorship firms, Partnership firms, Private Limited Companies, LLP, Public Limited Companies
How we can help you:
• As Loan Consultants; we work with multiple Banks / Non-Banking Financial Institutions. We understand the industry; the LTV (Loan to Value) and eligibility criteria of all lending institutes; we can offer our services to enable the clients make uniformed decisions for their Mortgage loans.
• Documentation:
A bank needs correct documentation; and sometimes documentation varies from bank to bank. We take care of all documentation on the client’s behalf; we arrange documents as per the requirement and we also ensure that the Form is duly filled as per the expectation of the lending institute. Clients can benefit by not stressing out on the documentation and relying on us to get the paperwork sorted.
Loan Amount: amount can range from ₹ 2 Lakh to ₹ 15 Cr.
Interest Rates: Home loan Interest Rates start from 7.90%. Special rates for women borrowers.
Processing Fee: Up to 0.5% of loan amount or Maximum Rs. 10,000, whichever is higher.
Tenure: the loan tenure can be from 5 years to 30 years
Loan to Property Value Ratio: the LTV can vary from 65% to 90%.

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Bank Home Loan Rate Benchmark Type Processing Fee
Allahabad Bank 8.25% RLLR 0.40% , Max Rs. 50,000
Andhra Bank 8.15% RLLR 0.50% , Max Rs. 10,000
Axis Bank 8.25% RLLR 0.20% , Min Rs. 5,000, Max Rs. 25,000
Bank of Baroda 7.25% RLLR Min Rs. 10,030
Bank of India 8.15% RLLR 0.25% , Min Rs. 1,500, Max Rs. 20,000
Citibank Home Loan 8.20% TBLR NIL
Corporation Bank 8.35% RLLR 0.50% , Max Rs. 50,000
Canara Bank 8.05% RLLR 0.50% , Min Rs. 1,500, Max Rs. 10,000
Central Bank of India 8.00% RLLR 0.50% , Max Rs. 20,000
Development Bank of Singapore 8.45% RLLR Max Rs. 10,000
Dewan Housing Finance Limited 9.50% PLR 0.50%, Min Rs. 2,500, Max Rs. 20,000
Development Credit Bank 10.24% 1 Year MCLR 2.00%, Min Rs. 5,000
Dhan Laxmi Bank 8.85% RLLR 1.00% , Min Rs. 10,000
Edelweiss bank 10.50% PLR 0.25%
Federal Bank 8.55% RLLR 0.50% , Min Rs. 3,000, Max Rs. 7,500
GIC Housing Finance 10.25% PLR Min Rs. 2,500
HSBC Bank 8.65% RLLR 1.00% , Max Rs. 10,000
HDFC Home Loan 8.00% PLR 0.50%, Min Rs. 3,000, Max Rs. 10,000
ICICI Bank 8.25% RLLR 1.00%
Indiabulls 9.25% PLR Min Rs. 7,500, Max Rs. 10,000
Indian Bank 8.20% RLLR 0.23% , Max Rs. 20,381
Indian Overseas Bank 8.20% RLLR 0.53% , Min Rs. 8,900, Max Rs. 13,350
IDFC First Bank 9.50% RLLR Min Rs. 5,000, Max Rs. 5,000
Industrial Development Bank of India 8.25% RLLR 0.50% , Min Rs. 2,500
Jammu And Kashmir Bank 8.45% 1 Year MCLR 0.25%, Min Rs. 500, Max Rs. 10,000
Kotak Bank 8.60% RLLR Max Rs. 10,000
Karnataka Bank 8.55% RLLR 0.25% , Min Rs. 250
Karur Vysya Bank 8.20% RLLR Min Rs. 5,000
Lakshmi Vilas Bank 9.70% RLLR 0.40% , Min Rs. 10,000, Max Rs. 20,000
LIC Housing Finance 8.10% PLR 0.25%
LT Housing Finance 9.90% PLR 2.00%, Min Rs. 4,999
Oriental Bank of Commerce 8.00% RLLR 0.50% , Max Rs. 20,000
PNB Housing Finance 8.95% PLR 0.50%, Min Rs. 10,000
Punjab and Sind Bank 8.05% 1 Year MCLR 0.25%, Min Rs. 1,000, Max Rs. 15,000
Punjab National Bank 7.95% RLLR 0.35% , Min Rs. 2,500, Max Rs. 15,000
Piramal Housing Finance 9.00% PLR 0.10%
Ratnakar Bank Limited 10.45% 1 Year MCLR Min Rs. 5,000, Max Rs. 15,000
Reliance Capital 10.00% PLR 1.00%, Min Rs. 3,000, Max Rs. 6,500
Standard Chartered Bank 9.40% 3 Month MCLR 1.00%, Min Rs. 5,000, Max Rs. 10,000
Syndicate Bank 8.00% RLLR 0.13% , Min Rs. 500, Max Rs. 5,000
South Indian Bank 8.80% RLLR 1.00% , Max Rs. 10,000
SBI Home Loan 7.90% RLLR 0.20% , Min Rs. 4,000, Max Rs. 30,000
Tata Capital 9.05% PLR 0.50%
Union Bank of India 8.25% RLLR 0.50% , Max Rs. 15,000
UCO Bank 8.05% RLLR 0.50% , Min Rs. 1,500, Max Rs. 15,000
United Bank of India 8.00% RLLR 0.59% , Min Rs. 1,180, Max Rs. 11,800
Yes Bank 9.85% 1 Year MCLR 1.00%, Max Rs. 15,000
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