Easy to apply for a loan with us,Once you have complete this form.
Home loan Construction can be availed by a customer for the construction of house wherein the land already belongs to him .
The amount of loan into a construction loan depends on the construction estimate produced by the customer and the technical report of the banks technical team . Usually the banks fund 80 % of the estimate cost subject to the valuation report of the technical team .
If a Customer is purchasing a approved residential land than also he can avail a Home Loan.
Normally the Banks and NBFC`S fund 75 % of the registry / market value ( which ever is lower ) in a land purchase case .
There could be slight difference in rate of interest than a construction or home purchase loan while opting for a Land purchase loan .
Home Loan Balance transfer as the name suggests is a transfer of existing home loan to a new financial institution which may or may not have a top up loan along with it .
Usually there are 2 reasons with a customer to transfer his existing home loan , one is because of a higher rate of interest on existing home loan and second is a additional need of funds on existing property ( subject to sufficient property value as per banks policy ).
Usually the banks fund upto 75 – 80% of the market value of the property in a Hone loan BT + Topup policy .
Note :- The top fund taken on a home loan doesn’t come with a Tax benefit like principal Home Loan .
About Home Loan
Bankgurus offers you the cheapest home loans with highest eligibilities and maximum tenures as high as 30 years.
Avail the best interest rates on your existing home loans along with top up loans on interest rates as low as your home loans.
Getting a home loan from Bankgurus is easy and quick. We keep the paperwork and other formalities to a minimum. Proof of your identity, address and income are some of the key documents that are required to be submitted for home loan. A unique offering to customers who are buying ready to occupy property. While we fund your dream home we also understand that you need to spend on the fixtures and fittings to make the place yours. As a part of the overall package, we offer you an additional amount for Furnishings & Fixtures (subject to eligibility) exclusively for this purpose, making this the best home loan available on the market.
|Partnership Firm Applicant||Company Applicant||Individual / Proprietorship Firm|
|3 Year ITR/Computation/Audit report with 3cd report and all the annexures **||3 Year ITR/Computation/Audit report with 3cd report and all the annexures **||3 Year ITR/Computation/Audit report with 3cd report and all the annexures **|
|1 Year Current account statement||1 Year Current account statement||1 Year Current account statement|
|Firm Pan Card||Company Pan card||Pan Card of individual/proprietor|
|Firm registration||Company registration- VAT /RST/CST||Firm registration|
|Partnership Deed||MOA||Vat Returns|
|GST Returns||List of directors & shareholding pattern ( CA Attested)||Property Papers|
|Property papers||Property Papers||Loan details , if any|
|Property Papers||51% shareholders to be on Loan structure||2 Photo|
|Loan details , if any||Loan details , if any||Loan details , if any|
|Coapplicants||Coapplicants||Coapplicants ( Blood Relative )|
|Pan Card of all the partners||Pan Card of all the Directors||Pan Card|
|Residence address proof of all the partners||Residence address proof of all the Directors||Residence address proof|
|2 Photo of each partner||2 Photo of each Director||2 Photo|
|1 Year Saving account statement of all the partners||1 Year Saving account statement of all the Directors||3 Year ITR/Computation/Audit report with 3cd report and all the annexures **|
|In case of Home Loan Purchase||In case of Home Loan Purchase||In case of Home Loan Purchase|
|Agreement to Sale||Agreement to Sale||Agreement to Sale|
|** - If Unaudited than ITR/Computation with P & L ,Capital account and BS||** - If Unaudited than ITR/Computation with P & L ,Capital account and BS||** - If Unaudited than ITR/Computation with P & L ,Capital account and BS|
All loans are not created equal, Home loan has become a great option for people to use.
Proper documentation is an essential part of the Home Loan ... For all those salaried and self-employed individuals.
NRI Home Loans. Get quick and easy home loans at an attractive housing finance rates with Bankgurus.
Here is an exhaustive list of all the fees and charges to be paid for the Home Loan.