Frequently asked questions

A home loan is a secured loan offered by banks to help individuals purchase, build, or renovate a home.

A Home Loan Agent simplifies the home loan process, finds the best rates, and handles paperwork, ensuring smooth and quick approval.

You can get home loan eligibility by providing your income details, credit score, and property information to a Home Loan Agent for assessment.

You can check your credit score for home loans through various online platforms or by requesting a report from credit bureaus.

To apply for a home loan, gather financial documents, submit an application, get approval, and finalize the loan with your mortgage broker.

Salaried individuals need ID proof, address proof, salary slips for the last 6 months, and bank statements for the last 12 months.

You need PAN card, business registration, bank statements,  3 ITR, and address proof for a application.

Our home loan charges vary based on loan amount and tenure. Please contact us for a detailed quote tailored to your needs.

The time to process a home loan varies, usually taking between 1 to 2 weeks, depending on the documentation and approval stages.

The rate of interest for a home loan varies based on your credit score and loan amount. Please contact us for specific rates.

Your home loan tenure depends on factors like loan amount, interest rate, and your income. Typically, it ranges from 5 to 30 years.

The typical age limit to get a home loan ranges from 22 to 65 years old, depending on the lender's policies.

Your down payment for a home loan typically ranges between 10% to 20% of the property's value, depending on the lender's terms.

For salaried individuals, proof of income is key. Businessmen need financial statements and proof of a steady cash flow.

Prepayment charges on home loans vary by lender. Some lenders offer zero charges for prepayments, while others may have specific fees.

A Home Loan Agent can guide you through the process, compare options, and find the best loan tailored to your needs.

Your EMI will start one month after your loan is disbursed, typically on the same date each month.

You can apply for a home loan top-up after 12 months of consistent repayment of your existing .

The rate of interest for a top-up loan varies based on multiple factors & your current income base. Please contact us directly for precise details.

Yes, you can take a home loan without a salary, but it depends on other factors like collateral and additional income or Co-Applicant income.

Choosing a co-applicant for your home loan can improve your loan eligibility and secure better interest rates.

Getting a 100% home loan is rare. Most lenders require a down payment. Contact us for personalized advice on your loan options.

EMI builds ownership of a property, while rent does not. Consider long-term goals and financial stability when deciding.

Visit a professional Home Loan Agent who can guide you through the process and help you find the best loan options quickly.

To buy a home on EMI, consult with a Home Loan Agent. They will guide you through loan options and monthly payments.

To be eligible for a home loan, you need a good credit score, stable income, and a valid Indian residency status.

Yes, you can get a home loan on a 20-year-old house. Condition and market value matter.