LoanKarts Finance Solution

Home Loan

Finance for eligible residential property purchase, construction and housing requirements.

Typical range: ₹5 Lakh – ₹5 Crore+

Overview

About Home Loan

Home Loan documentation differs depending on whether the applicant is salaried or a business owner/self-employed. Property documents are also subject to legal and technical verification by the lender.

Key Benefits

✓Residential property funding

✓Longer tenure options

✓Property documentation assistance

✓Application and lender coordination

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Required Documents

Documents you may need

Please keep these documents ready before submitting your application. Final requirements can vary by lender, profile and loan amount.

Home Loan — Salaried Applicant

1Applicant KYC — Aadhaar Card, PAN Card and Photograph

2Co-applicant KYC — Aadhaar Card, PAN Card and Photograph

3Residence latest Electricity Bill

4Office I-Card

5Last 3 months Salary Slips

6Last 1 year Bank Statement

7Last 2 years Form 16

8Loan details, if any running loan

9Property papers with complete chain

10Agreement to Sale

Home Loan — Business Owner / Proprietorship

1Applicant KYC — Aadhaar Card, PAN Card and Photograph

2Co-applicant KYC — Aadhaar Card, PAN Card and Photograph

3Residence Electricity Bill

4GST Registration Certificate

5Last 2 years Financials — ITR, Computation, Balance Sheet, Profit & Loss and Audit Report with CA Stamp

6Last 1 year Bank Statement of Current Account

7Last 1 year GST Return — GSTR-3B

8Loan details, if any running loan

9Udyam Certificate

10Property papers with complete chain

11Agreement to Sale

Eligibility

Basic eligibility factors

✓Stable income and repayment capacity

✓Acceptable credit history

✓Property must pass lender legal and technical checks

✓Age and tenure within lender policy

Final approval, interest rate, fees, tenure and document requirements are determined by the respective lender.