Right Loan. Right Bank.
Right Decision.

For salaried applicants: PAN, Aadhaar, last 3 months salary slips, 6 months bank statement, Form 16, property documents. For self-employed: PAN, Aadhaar, business proof, last 2 years ITR with computation, bank statements, property documents. Visit the Documents page for the complete checklist.

Home loan eligibility is typically 60-70x your monthly income for salaried employees. FOIR (Fixed Obligations to Income Ratio) should stay below 50-60%. Use our Eligibility Calculator to check your exact amount based on income, existing EMIs and tenure.

Home loan rates currently start from 7.20% p.a. (floating) for prime salaried customers. LAP starts at 8.60%, Business Loans at 11.00%, NRI at 7.50%. Actual rate depends on CIBIL score, income, employer profile and property location.

Typically 7-15 working days from document submission. Pre-approved loans can disburse in 3-5 days. Our deep bank relationships built over 22+ years of industry experience ensure faster processing than direct bank applications.

Home Loan is to buy/build a new property. LAP (Loan Against Property) is borrowing against an existing property you own. LAP can be used for any need — business, education, marriage, etc. Home loans get tax benefits; LAP offers flexibility of use.

Our advisory consultation is completely free. Banks charge their standard processing fees which we negotiate to keep minimum. All fees are disclosed upfront — no hidden surprises.

Yes, but at higher interest rates. We work with banks that consider profiles with CIBIL above 650. For lower scores, we suggest first improving the score over 3-6 months — we'll guide you on how.

Absolutely — NRI Home Loans are one of our specialties. We handle US, UK, UAE, Singapore, Australia & other geography clients with POA setup and bank coordination end-to-end.

We push your file to 3-5 banks in parallel — you get the best rate and highest approval chance. Direct bank = single shot at one bank's criteria. Plus we handle all paperwork, follow-ups, and documentation.