Home Loan

Dnyankrupa Multistate’s Home Loan scheme helps individuals and families fulfill their dream of owning a house with ease and affordability. Offering attractive interest rates, flexible repayment options, and quick processing, this loan is ideal for purchasing a new home, constructing a house, or renovating an existing property. With transparent terms and minimal paperwork, the home loan ensures a smooth and stress-free journey to homeownership.

Aspects

• 1. Loan for Purchase / Construction / Renovation of House or Flat
• 2. Loan Amount: Based on income and property value
• 3. Loan-to-Value (LTV): Up to 80% to 85% of property cost
• 4. Repayment Tenure: Up to 15 years

ROI & Handling Charges

• 1. Rate of Interest is 18%.
• 2. Processing Fees: Applicable as per bank/NBFC policy

Eligibility

• 1. Salaried Employees with regular income
• 2. Self-Employed Individuals & Professionals
• 3. Age between 21 to 50 years (65 for self-employed)
• 4. Satisfactory credit score

Documentation & Security

• 1. In case of new customer, applicant & guarantors need to open savings / current account
• 2. 3 years of ITR
• 3. Property documents.
• 4. Registration certificate.
• 5. Two Acceptable Guarantors.