Complete Range of Products

TYPES OF HOME LOANS WE ADVISE

Every property requirement is distinct. We structure your mortgage application according to the property's legal classification and your financial profile.

1. Flat / Ready-to-Move Home Purchase

For Under-Construction & Completed Projects

Financing for ready possession residential apartments, builder floors, or registered resale units with verified occupancy certificates (OC) and clear chain of titles.

  • Up to 80%-90% property value
  • Fast builder project approvals

2. Home Construction Loan

Self-Construction on Owned Plot / Land

Construct your independent bungalow or villa on existing freehold land or ancestral land. Disbursements occur stage-by-stage as construction milestones progress.

  • Sanction based on architect cost estimate
  • Tranche-wise flexible drawdowns

3. Plot + Construction Composite Loan

Single Loan For Land Purchase & Construction

Acquire a residential residential plot and obtain construction sanction bundled into one seamless loan facility under unified lowest interest rates.

  • Available via SBI, BOB & HDFC
  • Extended construction timeline grace

4. Home Renovation & Extension

Upgrade, Add Floors, or Remodel

Need to construct an additional room, renovate interiors, or modernize your current house? Access low home-loan rate funds instead of expensive personal loans.

  • Far lower ROI than personal loans
  • Simple quotation based appraisal

5. Home Loan Balance Transfer + Top-Up

Slash Rate by 1% - 2% & Get Liquid Funds

Transfer existing high-rate home loans from expensive NBFCs or banks to SBI or BOB. Get an additional high-value top-up loan at home loan interest rates!

  • Save lakhs in interest payout
  • Additional top-up with zero end-use restrictions

6. NRI Home Loans

For Non-Resident Indians Investing in India

Specialized desk assisting NRIs and PIOs worldwide to invest in prime Indian residential real estate through NRE/NRO accounts with streamlined power-of-attorney protocols.

  • Remote digital processing
  • Assistance with embassy attestations
Plan Your Budget with Precision

HOME LOAN EMI CALCULATOR

Adjust the sliders below to estimate your exact monthly installments, total interest cost, and principal payoff schedule.

Desired Home Loan Amount (₹) ₹ 35,00,000
₹ 5 Lakhs ₹ 75 Lakhs ₹ 1.5 Crores
Applicable Interest Rate (% per annum) 8.40 %
7.50% (Govt. Subsidized) 8.40% (Prime Lending) 14.00%
Repayment Loan Tenure (Years) 20 Years
5 Years 15 Years 30 Years (Maximum)
Advisory Insight: Opting for an SBI or BOB daily reducing balance formula saves an extra ₹1.2L to ₹3L compared to monthly compounding calculations over a 20-year term.
Estimated Monthly Installment (EMI)
₹ 30,149

Best Rate Matched across 9+ Banks

Principal Borrowed: ₹ 35,00,000
Total Interest Amount: ₹ 37,35,845
Total Amount Payable: ₹ 72,35,845

No impact on your CIBIL score for initial inquiry.

Clear & Transparent Criteria

ELIGIBILITY & REQUIRED DOCUMENTS

Avoid bureaucratic delays. We pre-audit your documents before submission so that your home loan is sanctioned smoothly on the very first try.

Home Loan Eligibility Criteria

Key benchmarks assessed by national lenders

Borrower Age: 21 years to 65 years (at loan maturity)
Ideal CIBIL Score: 750+ (Loans also available for 650+)
Minimum Net Income: ₹ 25,000/month (Salaried) / ₹ 3L ITR (Business)
Work Experience: Min 2 years total; min 1 yr in current organization
FOIR (Fixed Obligation Ratio): Up to 50% - 65% of net monthly earnings
Have a low CIBIL score or non-standard income? Our specialized Debt & CIBIL Rehabilitation desk will restructure your profile for approval.

Standard Documentation Checklist

Collected hassle-free at your doorstep

1. KYC Proofs:

Aadhaar Card, PAN Card, Passport/Voter ID, and 2 Passport Size Photos.

2. Financial Proof (Salaried):

Last 3 months salary slips, Form 16 (last 2 years), and 6 months bank statement.

3. Financial Proof (Self-Employed):

Last 2-3 years ITR with computation, P&L, Balance Sheet, GST Returns, & 12 months bank statement.

4. Property Documents:

Allotment letter / Sale agreement, prior chain deeds, approved layout plans, and possession receipt.

Institutional Lending Network

HOME LOAN HIGHLIGHTS BY PARTNER BANK

Sujan Singh Thakur coordinates directly with senior credit heads across major public and private institutions to fetch exclusive rate concessions and fee waivers.

Partner Institution Rate Mechanism Max LTV Ratio Max Tenure Advisory Advantage
SBI State Bank of India EBLR / Repo Linked Up to 90% 30 Years Daily reducing balance; Nil prepayment charges
PNB Punjab National Bank RLLR Linked Up to 85% 30 Years Women borrower discounts; Fast MSME bundling
BOB Bank of Baroda Baroda Repo Linked Up to 90% 30 Years Baroda Advantage zero balance linked savings account
HDFC HDFC Bank Repo Rate Benchmark Up to 85% 30 Years 3-5 day express digital sanctions; flexible income rules
LIC LIC Housing Finance Prime Lending Rate Up to 85% 30 Years High age tolerance; ideal for pensioners and self-employed
ICICI ICICI Bank I-Repo Linked Rate Up to 85% 30 Years Pre-approved sanctions; minimal physical documentation
From Application to Keys

OUR 5-STEP HASSLE-FREE SANCTION ROADMAP

We eliminate bureaucratic delays by steering your file directly through fast-track banking underwriting channels.

01

Profile & Income Audit

We review your CIBIL score, income tax returns, and FOIR ratio to calculate your maximum borrowing power.

02

Lender Selection

We compare 9+ lenders to pinpoint the exact bank offering you the lowest interest rate and lowest processing fees.

03

Pre-Audit & File Login

Doorstep collection and complete pre-auditing of financial files to guarantee zero queries and instant login.

04

Legal & Valuation

Coordination with empanelled bank lawyers and civil engineers for clear property title certification and valuation.

05

Disbursement & Delivery

Sign your loan agreement with complete transparency and receive fast loan disbursement directly to the builder or seller.

Maximize Your Yearly Savings

TAX BENEFITS UNDER THE INDIAN INCOME TAX ACT

Did you know a home loan is one of the most effective tax-saving tools? Eligible borrowers can claim significant annual deductions.

Section 80C

Principal Repayment

Claim tax deductions up to ₹ 1,50,000 per financial year on the principal component repaid, stamp duty, and registration charges.

Section 24(b)

Interest Repayment

Deduct up to ₹ 2,00,000 annually on interest repaid for self-occupied residential property. No cap for let-out property under standard provisions.

Joint Borrowing

Double The Benefits

Apply jointly with your spouse or co-owner to double your annual deductions up to ₹ 7,00,000 combined under Sections 80C and 24(b).

Got Questions?

FREQUENTLY ASKED QUESTIONS

TURN YOUR HOME DREAM INTO REALITY

READY TO GET THE LOWEST HOME LOAN RATE?

Consult Sujan Singh Thakur for 100% unbiased multi-bank comparison & zero-hassle sanction.

Call +91 73073 53939
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