Home Loan in NCR

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Home Loan in NCR
  • 1. Currently, lowest home loan interest rates are starting @ 6.65%.
  • 2. Housing loan can be availed up to a tenure of 30 years and up to 90% of the property value.
  • 3. Compare the best online home loan offers from top banks in India.
  • 4. Estimate your loan eligibility online with Home Loan Eligibility Calculator.

About Home Loan

your own home is special. We as a online loan provider, help you lay the foundation for your dream home. At loans4you we have designed to offer you convenience and make the experience of your dream home a pleasant one.

Our home loan solutions are based on our expertise like, quality of service, in-depth knowledge, commitment and transparency throughout loan procedures. In today's scenario home loan is the basic requirement of the individual as well as for the firm. The features offered by each financial institution are different and there are a number of variations available to suit your home loan needs.

We will guide you to know different financial institutions and what Home Loans are offered, the eligibility criterias, rates of interest offered by the financial institutions & compare them. What are the steps & processes, documents required , charges you have to Pay to the financial institutions and help you take decision in transferring the loans.

Get financing for whatever you need now

A sum of money borrowed from a financial institution or bank to purchase a Home. Home loans consist of only Floating Interest rate or fixed interest rate or fixed plus Floating Interest rate with Payment terms as per bank norms. You can avail home loans as per your requirement & needs. Loans mentioned below are as per segment and requirement.

1. Purchase of Home

Home loan for purchasing new home or Resale. Home purchases are offered by all bank & HFCs.

2. Loan Transfer

This allows you to transfer the balance on your current home loan to a new loan structure with new Bank. We normal transfer the Loan from one bank/NBFC to reduce the present higher rate with Bank/HFC, Service Issue or Enhancement of loans

3. Land Purchase

Land Loans can be availed for purchasing of residential land for construction of house. Normally all Bank/HFC take affidavit to start you construction form 9 month to 24 month. Borrow Loan offers home loan for land purchase to make your dream home. You can compare home loan rates with our compare loan table. Apply online for Home Loan.

4. Renovation

Home Extension Loans means loan for extension in the present structure and sanctioned plan and Permission from the competent authority. You also have to produce estimated cost for the construction form the architect or from contractor.

5. Top Up Loan

Top-up loan is provided by financial institutions to borrow eligible amount of money over & above your loan. Top-up loan is provided for purposes of modification or construction of your house or to meet your personal expenses like funding for children’s education, etc. However, you cannot utilize the top-up loan amount for speculative purposes. The interest rates charged on top-up loan can be as much as Home loan or slightly higher than what you pay for your home loans.

6. Balance Transfer plus Top Up plan

This allows you to transfer the balance on your current home loan to a new loan structure with new Bank. You can also borrow money over and above your initial home loan amount for purposes of modification or construction of your house or to meet your personal expenses like funding for children’s education, etc. However, you cannot utilize the top-up loan amount for speculative purposes. For Example: You have Home loans running with X bank for loan Amount.

7. Self Construction

This is for construction of a new home. For Home Construction loan you need to produced sanctioned plan and Permission from the competent authority. You also have to produce estimated cost for the construction form the architect or from contractor.

8. Land Purchase plus Construction

Land plus Construction Loans can be availed for purchasing of residential land and Construction of house.For Home Construction loan you need to produced sanctioned plan and Permission from the competent authority.

9. Refiance Loans

Refinance Towards purchase of the house within 6 months from date of transaction. Refinance loans are availed if sale deed has already been done and should be later than 6 months. Loans are done at home loan rate.

10. NRI Home Loans

NRI Home Loans are meant for Non-Resident Indians who wish to build or buy a home or property in India

Features of Home Loan

Low Interest Rate

We Help of Home Loan Applicant to get lowest rate of interest. Low EMI & Low Interest Rates from Top Banks of India. Compare & Apply.

Service at your Doorstep

No need to Vist Bank for your Home Loan. We will do it for you. We will arrange Bank Person to visit you at convenience so that you have time for other work.

Maximum Home loan Eligibility

Why to go for less. We offer maximum home eligibility to fulfill your Lifelong dream to own your dream Home.

  1. Aged between 21-65 years.
  2. Minimum 2 years of total work experience with regular source of income.
  3. Co-applicant minimum age limit is 18 years.
  4. Loan start at Rs 9000 Per Month Family Income
  5. Loan Even without you Income proof.

Tax Benefit

You are eligible to get a tax deduction up to 1.5 lakh under section 80C. The interest portion of the EMI paid for the year can be claimed as a deduction under section 24 b to a maximum of Rs 2.0 lakh. An additional deduction under Section 80EE is allowed only for first time buyers for maximum amount upto 50,000.The income tax also provides you to claim interest called the pre-construction interest, as a deduction in five equal installments starting from the year in which the property is acquired or construction is completed.

Easy Repayment

Buying that house involves a lot of research and running around to know more about Payment option. We will make this simple and easy for you. You can choose amount the different option to pay you EMI. It also varies from bank to bank and also with product that they offer. Here is few option to choose from

  1. Home loan Linked to bank account: There are few more banks like SBI, ICICI, and Axis etc who allow you to link your home loan account with your current account that is opened along with home loan. The interest liability of your home loan comes down to the extent of surplus funds parked in the current account.
  2. Home loan with increasing EMIs: There are few more bank like HDFC, ICICI, etc who allows you to increase your EMI after few year this is called Step Up Home loan.
  3. Longer repayment tenor: Few Bank goes for higher tenor then the normal to Increase your loan amount and reduce your EMI obligation. Some bank even gives loan Upto 70 years.
  4. Home loan with waiver of EMI: Axis bank offers the waiver of 12 EMI subject to the Minimum loan tenor of 20 years and regular EMI payment.

No Prepayment Penalties

By RBI Circular dated – May 7, 2014 , it was advised that banks will not be permitted to charge foreclosure charges/ pre-payment penalties on all floating rate term loans sanctioned to individual borrowers, with immediate effect.

Grid Explain to in brief but you also need to check with the respective Bank/HFC for detail:

Borrower Types

  1. Individuals
  2. Non-Individuals

Fixed Rates

  1. Foreclosure Charge Applicable
  2. Foreclosure Charge Applicable

Floating Rates

  1. Not Applicable
  2. Foreclosure Charge Applicable

Pradhan Mantri Awas Yojana

The scheme envisages the vision of housing for all by the year 2022 under Pradhan Mantri Awas Yojana “Credit Linked Subsidy Scheme”

Under this scheme, interest subsidy on purchase/ construction/ extension/ improvement of house is provided to customers belonging to Economical Weaker Section (EWS)/Lower Income Group (LIG)/Middle Income Group (MIG).

Documents for Home Loan

We only need some basic documents to process your Home Loan. Here’s a handy guide to keep in.

Salaried Individuals

Documents for Salaried

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Now apply for a Home Loan online, all you need to do is provide your details below application form.

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loans4you

• Lower your Existing EMI Transfer your Housing @6.75*% • The best way to get a quick mortgage approval is to maintain a good relationship with a lender, and if you already have a savings account with that bank, it is a plus. Also, having a good credit score helps in quick loan approval. • Top up loans taken on existing debt can be used for purposes such as business expansion, education, medical expenses etc. • If you have an existing personal loan on which you have paid at least 12 EMI’s regularly, you are eligible to balance transfer your loan to another bank and also avail top up loans at the time of loan transfer. • Balance transfer is a good option for Mortgage borrowers. This is because the transfer of loan to other banks provides the benefit of lower interest charged on loans.

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