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Home Loan
Want a Home… your own. Home Loan hai na !
Some of the most popular home loan options for you at very attractive interest rate and long tenure plus less charegs are:
Standard Home Loan - Buy your dream house
The standard Home Loan is the most popular type of loan people take for fulfilling their dream of purchasing a home. 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. If buying a flat, you can opt for schemes builders offers for making the payment like of construction linked home loan offer.
Home Loan Balance Transfer
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.
Home Extension/Improvement Loan (TOP UP Home Loan)
One of the most popular types of Home Loan is a home extension or improvement loan. 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. You can avail tax benefits too on these products.
Home Construction Loan
If you already own a piece of land and would like to build your dream home on this land, consider a home construction loan. A home construction loan is generally disbursed in instalments based on the progress of the construction project. The amount approved for a home construction loan is generally based on the approximate construction cost.
Pradhan Mantri Awas Yojana (PMAY)
With the Credit-Linked Subsidy Scheme (CLSS) under PMAY, first-time home owners can get Home Loans at subsidised interest rates. This can allow you to save as much as Rs 2.67 lakh on the Home Loan. Only banks registered under the scheme are eligible to offer this subsidised loan.
