Turn Your Dream Home into Reality with Expert Guidance
Home loans provide long-term financing for purchasing ready apartments, under-construction properties, independent house construction, or land purchase. Dwarikadhish guides you through partner bank interest rate options, tenure selection, and legal document checks.
Key Benefits of Home Loan
Long Tenures Up to 30 Years
Lower your monthly EMI burden with extended repayment tenures.
Tax Savings Under Section 80C & 24
Enjoy tax deductions on principal repayment and interest paid.
High Loan-to-Value (LTV)
Funding available up to 75%-90% of property market value.
Doorstep Document Collection
Hands-on DSA assistance for legal, technical, and income verification.
Suitable Applicant Profiles
- First-time home buyers purchasing ready/under-construction property
- Plot buyers planning self-construction within 3 years
- Salaried & self-employed applicants seeking long-tenure financing
- Co-applicants looking to boost joint home loan eligibility
Eligibility Evaluation Criteria
| Eligibility Parameter | Standard Lender Requirement |
|---|---|
| Age Limit | 18 to 70 years at loan maturity |
| Minimum Net Salary | ₹25,000/month (Salaried) | ₹3.5 Lakhs/year ITR (Self-Employed) |
| CIBIL Credit Score | 700+ preferred for prime bank interest rates |
| LTV Ratio | Up to 90% (for loans up to ₹30L) | Up to 80% (above ₹30L) |
* Note: Specific parameters may vary based on chosen partner Bank or NBFC internal policies.
Required Documentation Checklist
KYC Proofs
- Aadhaar Card
- PAN Card
- Passport / Voter ID
Property Documents
- Allotment Letter / Sale Agreement
- Approved Building Plan & Title Deed
- Builder NOC & Possession Letter
Financial Proofs
- 6 Months Salary Slips & Form 16
- 1 Year Bank Statement
- 2 Years Business ITR with Audited Balance Sheet
Co-Applicant KYC
- Spouse/Parent KYC and income proof if joint loan
Frequently Asked Questions (Home Loan)
What is the maximum tenure available for a Home Loan?
Partner banks offer tenures up to 30 years, depending on applicant age at loan maturity.
Does Dwarikadhish assist with Pradhan Mantri Awas Yojana (PMAY)?
Yes, we guide eligible first-time home buyers on PMAY subsidy applicability with partner institutions.
Is property legal verification mandatory?
Yes, partner banks conduct independent legal & technical property valuation before sanction.
Ready to Apply for Home Loan?
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