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Home Loan

Home Loan


A home loan is for the purposes of purchase of residential property or repair of the same. After the lapse of the agreed-upon term, the borrower must repay the principal amount, along with the agreed interest. Many large residential projects now offer attractive schemes for such payments, allowing for the waiver of EMI payments, or payment of minimal down-payment.

Housing loans have been the primary source of financing for residential property in India. Hence, now banks and residency builders incorporate these options with new residential projects. Many advertisements offering the dream of owning your house are regularly broadcasted.

One of the major reasons why such loans are popular with banks is because a loan for a home is not very risky, as often times the security for the loan ends up being the house itself, and people do not wish to lose their houses. A bank loan allows for deferred payment and allows you to live without the nagging of a landlord.

However, the loan for home still requires extensive documentation and various legal hoops that the applicant must trudge through. By signing up for our home loan, you can gain the backing of our legal & financial team to assist you through every step so that you can be the King (or Queen) of your own dream home!  

eStartIndia is the best business and legal services platform for services relating to loans in India, offering a variety of loans like a Business loan, Loan for Home, Loan against Property, Term loan, Working capital, Bank loan syndication,  CMA report preparation, Bank loan rating and credit score check for easily obtain loans.

eStartIndia will help you to obtain Home Loan services easily from the comfort of your home, offering you services that are very specialized and tailored for each individual.

Get the best proposal for Home Loan or request a call back with our top-rated Experts with a simple sign up with us!

Why choose a home loan? 

To answer simply, it’s because you can get the financial support to either find your dream residence or your dream investment!

Loan for home are mainly so pervasive because of the following reasons –

  • Residential properties have not only become expensive but also have become a real investment opportunity. It is a common belief that land is the safest investment.

  • Allows for securing a home through deferred payments.

  • Loan for a home gives rise to tax exemptions under Section 24 of the Income Tax Act.

Why choose our Home Loan services? 

  • With a legal and financial team behind your back, we help you understand your loan requirements and craft your legal documentation in sync with these requirements, opting for one of the various types of loans that you might require.

  • We help craft a proposal to the bank which is flexible for you and accompany you on each step of the process in order to ensure a speedy acceptance of your loan application.

Eligibility Criteria For Home Loan

In order to sign up for our loan for home assistance service, applicants should be –

  • No younger than 21 and should be able to pay back the loan before they turn 65.

  • Either self-employed or salaried.

  • Have an annual minimum income of at least 5-7 lakhs.

  • Having a stable residence for at least 1 year.

  • Having a good credit score.

Click here to read more about the "Loan Against Property"

Required Documents For Home Loan

The following are the documents that are required from the applicant:

  • The duly filled and attested application form along with two passport size photographs.

  • ID proof of the applicant.

  • The address proof of the applicant (electricity Bill, telephone bill, Passport).

  • The bank account statement detailing transactions for the last 6 months before loan application.

  • Business proof for non-salaried individuals.  

  • A statement that details personal assets and liabilities.

  • Identification of signature from current banks the applicant has accounts in.

As for the guarantor, the following documents will be required for Home Loan

  • ID proof and address proof.

  • 2 passport sized photographs.

  • The Proof of business or employment.

  • A statement that details personal assets and liabilities.

  • Identification of signature from current banks.

  • Identification of signature from current banks that the guarantor has accounts in.

For salaried employees, the following documents are required for Home Loan

  • A certificate from the employer certifying status as an employee.

  • Income Tax Returns for the last two years before loan application.

If self-employed, the following documents are required for Home Loan

  • Tax challans as applicable.

  • Income tax Assessment orders or Income Tax Returns for the last three years before loan application.

Get the best proposal for Home Loan or request a call back with our top-rated Experts with a simple sign up with us!

Sign up now!

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