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We provide QUICK, EASY & LOW RATE Home Loan

Low Interest Rate
Easy Sanction
Quick Disbursal

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Features & Benefits

Tie-up with Multiple Banks & NBFCs

Longer Period

Tenure upto 30 years

Low Interest Rates

Quick Disbursal

Approval in 48 Hrs

Loan amount upto Rs.15 Cr

Home Loan DSA in Delhi & Gurgaon

At homeloanagents.in, we understand the importance of getting the right funding at right time. We have been in the industry for over 10 years and have helped more than 1000 Individuals & Business in getting the required amount of Home Loan and Business Loan. As a top Home Loan DSA in Delhi. We have tie up with more than 65 PSU’s and private sector banks for different types of financing requirement such as Home Loan , Personal Loan, Business Loan, Loan against Property or OD Limit. We are one of the Top Business Loan consultant and  Home Loan agency in Gurgaon and Delhi. You can also contact us even if you are looking for Home Loan on Unapproved / GPA property in Delhi /Gurgaon.

Eligibility Criteria & Documents Required for Home Loan

Eligibility Criteria

  • Nationality: You must be Indian citizen residing in India.
  • Age: The applicant must be between 23 years to 70 years
  • Cibil Score: A Cibil score of 725 or higher is ideal to get a home loan.
  • Occupation: Salaried employee, a Professional Individual, and a self employed professional.

Note : This is an indicative list that may change based on your actual loan application.

Documents Required

  • KYC Documents ( Identity and address proof)
  • Proof of Income (Salary slips or P&L Statement)
  • Proof of Business ( for self employed applicants)
  • Account statement for last one year
  • ITR for last two years.
  • Property Documents

How to Improve the chances of getting Home loan

To increase your chances of getting a housing loan approved, here’s what you can do.

1. Credit clean-up : Your credit score is a vital factor of consideration. A high credit score makes it easier for you to get a loan. If you have a low credit score, identify the reasons by checking your credit report. Sometimes, minor errors affect your credit score adversely. In such a case, inform Credit Information Bureau (India) Limited (CIBIL) immediately about the error.

2. Assess your debt-to-income ratio : Lenders analyse your current income to determine your ability to pay the home loan EMIs. If possible, you can try to increase your annual income through a part-time job or by selling liquid assets like stocks. As your debt-to-income ratio increases, your chances of getting a loan can also increase.

3. Limit your borrowing : If you borrow more money than you need to meet your financial targets, your chances of getting a housing loan are reduced. Save and invest more, and take wise calls on how much money you require as a loan and submit an application for that particular amount.

4. Add a co-signor or guarantor : In certain cases, it can be difficult to get a loan on your own accord. Consider adding a co-signor or guarantor with a good credit score. A co-signor or guarantor ensures that you pay your home loan EMIs on time, and if you fail to do so, they are liable to repay the loan on your behalf. However, getting a co-signor or guarantor comes with its own terms and conditions and so be sure to take note of the same

Bank Name Rate of Interest
State Bank of India
8.50% - 10.15% per Annum
Punjab National Bank
8.60% - 9.40% per Annum
Bank of Baroda
8.85% - 10.10% per Annum
Canara Bank
8.50% - 11.25% per Annum
HDFC Bank
8.60% - 9.15% per Annum
ICICI Bank
8.75% - 10.05% per Annum
Bank of Maharashtra
8.60% for Salaried individuals
8.80% for Self-employed
Bank of India
8.40% per Annum
Union Bank of India
8.00% - 8.50% per Annum
Central Bank of India
8.50% - 9.50% per Annum
Indian Bank
8.40% - 9.80% per Annum
Indian Overseas Bank
8.40% - 11.00% per Annum
UCO Bank
8.75% - 11.35% per Annum
LIC
8.50% - 11.55% per Annum

Types of Home Loan

This is the most popular type of loan people take for fulfilling their dream of purchasing a home. This Home Loan enables you to borrow money from the lender for buying a property of your choice. After the purchase, you can then repay the loan to the lender through monthly instalments.

If you meet the eligibility criteria for the loan, the lender can approve up to 80%-90% of the cost of the property as a Home Loan.We are one of the Top Home loan agency in Delhi & Gurgaon.

If you already own a piece of land and would like to build your dream home on the same, you can consider a home construction loan.

The amount approved for a home construction loan is generally based on the approximate construction cost.

If you already have a home but want to add a room or maybe a floor to it, a home extension loan can help. Similarly, home improvement or renovation loan is used for renovating an existing home.

A plot loan is a loan that offers finance solutions to buy a piece of land on which you will construct a home in future.

Top-up Home Loan is given over and above the existing Home Loan. This loan can be used to furnish your home, renovate your home and even towards personal expenses.

If you have already taken a Home Loan and are repaying it now, you have the option to switch to a different lender. Borrowers generally do this in cases where they can get a Home Loan from a different lender at a lower interest rate.

Your HOME LOAN is Just One Step Away...

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99111 71025

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Frequently Asked Questions

To apply for a Home Loan, you need to submit documents such as proof of identity, proof of address, Income Proof, Details of Property to be purchased, loan application form that has been duly filled and your financial documents.

We determine your eligibility after considering various factors, including your monthly income, your monthly financial obligations, your current age and your retirement age, among other things.

We have tie-up with Multiple Govt Banks, Private Sector Banks and NBFCs. We select the bank after considering various factors including your monthly income, your monthly financial obligations, your current age and your retirement age, property to be purchased among other things.

The rate of interest depende on various factors including customer profile and the bank from which we are arranging your home loan. Typically the home loan ranges between 8.5% to 12%.

The EMI is calculated based on specific factors like the amount of the loan, its tenure and the Home Loan interest rate.

A floating rate of interest is linked to a benchmark rate. As per guidelines of RBI, floating rate Home Loans from banks are linked to external benchmark rates. So, rate of interest of your Housing Loan changes in line with the Repo Rate. As a result, the EMI or the tenure of your loan will increase or decrease, depending on the change in the rate of interest.

A fixed rate of interest on a Home Loan means that the rate of interest does not change throughout the tenure of the loan. So, the EMI will also remain fixed.

Yes, you can claim the amount paid towards the repayment of the principal and the interest components as deductions in your income tax return. The limits on the amount deductible are governed by the applicable income tax laws.

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