Home Loan

Home Loan

Are you planning to buy your dream home and searching for the best home loan options in Delhi NCR? Whether you're looking to purchase a stylish apartment in Delhi, a spacious villa in Noida, or a comfortable family house in Ghaziabad, getting the right home loan is essential. We provide fast, easy, and reliable home loan services that are customized to fit your financial needs. Our home loan solutions come with low-interest rates, minimal documentation, and quick approvals to help you turn your dream of owning a home into a reality.

We understand that buying a home is one of the biggest decisions in life. That's why our dedicated team works with you at every step of the journey, offering complete assistance from selecting the right lender to handling the paperwork and guiding you through the loan disbursement process. Our strong tie-ups with leading banks and NBFCs ensure that you get the most competitive home loan offers in Delhi, Noida, Ghaziabad, Faridabad, and across India.

If you're a salaried individual or a self-employed professional, our tailored home loan options are designed to suit your specific income profile. We offer flexible repayment tenures, attractive EMIs, and personalized assistance so you can focus on choosing your perfect home while we take care of the financial part. Getting a home loan in Gurgaon, Lucknow, or any part of Delhi NCR has never been easier.

One of the biggest challenges home buyers face is navigating through various bank schemes and complicated procedures. With us, you don’t need to worry about this. We simplify the entire process with quick eligibility checks, instant pre-approvals, doorstep documentation pickup, and complete transparency. Our expert advisors help you compare different loan options and interest rates, ensuring that you choose the best home loan suited to your budget and long-term goals.

We also cater to clients looking for home loans in other major Indian cities. Our services are available PAN India in the following locations: New Delhi, Delhi, Noida, Haryana, Chandigarh, Uttarakhand, Madhya Pradesh, Mumbai, Maharashtra, Bangalore, Pune, Lucknow, and Gurgaon. Whether you're moving to a new city or buying a second home, our team is ready to provide complete support and expert guidance.

If you're planning to buy a house in the capital region or cities like Mumbai or Bangalore, we encourage you to carefully review various financial institution offerings, terms, and eligibility criteria. Understanding bank policies before applying can save time and avoid confusion. That’s why our experienced team ensures that you are well informed and ready with all the necessary documentation in advance.

By choosing our home loan services, you get access to:

  • Competitive interest rates tailored to your credit profile
  • Easy online application process with minimal paperwork
  • Doorstep service for document collection
  • Fast loan disbursal
  • Pre-approved offers for eligible applicants
  • Flexible EMI plans and repayment tenures
  • Personal assistance from loan experts
  • Transparent terms and no hidden charges

We are committed to offering top-notch customer service and value transparency and trust. Whether you’re buying a ready-to-move-in flat or planning a home construction, we offer financial solutions that are both simple and effective.

Don’t let high-interest rates or complex bank formalities delay your dream of owning a home. Contact us today for a free consultation and get expert guidance to choose the right home loan plan. Our goal is to make the home loan process smooth, stress-free, and tailored to your needs.

Thousands of happy customers have already benefited from our end-to-end support and best-in-class financial solutions. You could be next! Start your home-buying journey with confidence and let us help you secure the most affordable and reliable home loan in Delhi NCR and across India.

Apply online now or get in touch with our friendly advisors for personalized support. Your dream home is just a few steps away.

Points to Keep in Mind Before Opting for a Home Loan:

  • Most financial institution opts for marketing techniques to attract more customers giving only selective information. Please read carefully the loan terms, charges and any information, if not clear, better to ask the concerned executive or banks.
  • EMI- First off all you will have to calculate how much amount do you require. Before proceeding the application, calculate your monthly income and expenses. If you are unable to pay the fixed monthly EMI, you are charged with a fine or penalty from the banks.
  • Bargaining on Interest. - When you apply for a loan you are allowed to bargain with banks to reduce the rate of interest. Some banks reduces the rate of interest on the basis points. You should apply for the loan once your property deal is on the final stage. Some banks are having a target of distribution of loans, in case you apply for the loan in last week of the month, you might get a good deal from the bank.
  • Think on loan tenure- You need to focus on some basic points, if you are opting for the home loan. Some important basic points are defined below-
  • Job appraisal, Job transfer, Job change, you take loan for a short tenure, your EMI will be high. Some experts advise your loan should be finished when you retire.
  • Increase your loan eligibility- Your loan eligibility is dependent on your previous credit history like your credit card, personal loan, or other loans payments made by you. You have to pay your existing loan EMI and other payments on time, it’s a very vital record to get loan easier.
  • When you are opting for the home loan, please note some points i.e., processing fees, service charges administrative charges, technical fees. After some time you will re-schedule of home loans banks charged for that again.
  • Read the loan agreement carefully before signing the document.

The features & advantages of home loan are as follows:

  • Easy repayment option: 10 to 30 years
  • Auto-debit via ECS
  • Attractive interest rates
  • Quick loan approvals
  • Loan amount up to ₹10 Crore
  • High eligibility based on income
  • Completely digital loan process
  • Minimal documentation

Frequently Asked Questions

What are the eligibility criteria for availing Home loan?

A. A person in the age group of 21 to 55 including Non Residents Indians (NRIs) can avail home loan: a) if they are salaried individuals with minimum service of 3 years and b)individuals engaged in business & self employed like Doctors, CAs etc. Further, the bank will check your eligibility in terms of your Income, Income tax return, repayment of past loans, assets & liabilities etc. Further, the loan will be sanctioned for 80% to 90% of the market value of the property given it has an approved map and registered.

What is the minimum and maximum tenure for repayment of home loan?

The tenure ranges from 10 years to 30 years.

For what purposes can home loan is sanctioned?

The home loan is sanctioned for the following purposes:

  • Construction of house/flat
  • Purchase of plot
  • For undertaking expansion of existing units or for repairs and renovations.

How many days will be required for disbursement of loan?

From the day of submitting your complete documents to our executive to loan disbursement by bank, it will take around 7 to 15 days.

Is there an option of prepayment of home loan?

A. Yes you can prepay your home loan with no charges applicable in case your loan is on floating interest rate, however some charges may apply in case your loan is on a fixed rate of interest which varies across the banks.

From which month my EMI will be start deducting from my account?

A. The EMI will start from the next month of loan disbursal. For example, if your loan gets disbursed on 1st May, then your EMI will start from 1st June. Further, after six months of payment of EMI you can take top up on your home loan.

What documents are required?

  • Last 3 Months Salary Slip (For Salaried)
  • Last 2 Years ITR with computation of Income (For Self Employed)
  • Last 1 year Bank statement (For Self Employed )
  • Last 6 months Bank statement (For Salaried)
  • Form-16 (For Salaried)
  • Pan Card
  • Aadhaar Card
  • Photograph
  • Co. Applicant Photograph & KYC (Pan+Aadhaar)
  • Approved Map of the house
  • Property Papers Complete Chain
  • Builder Buy Agreement
  • Processing Fee Cheque

Karvy Financial Services Ltd

back top