Home Loan Assistance
MoneyCashe helps customers understand eligibility, documentation and lender process for home loan enquiries. We do not guarantee approval; final decision, rate, amount and charges depend on lender policy and verification.
Common Documents
- PAN and Aadhaar
- Address proof
- Bank statements
- Income proof or ITR
- Loan-specific documents as required by lender
How MoneyCashe Helps
- Profile discussion
- Document checklist
- Eligible lender coordination
- Clear guidance on rates, fees and process
Home Loan – Key Details
Indicative figures for reference. Actual interest rate, loan amount, tenure and charges depend on lender policy, your profile and document verification.
| Parameter | Details |
|---|---|
| Interest Rate | 8.35% – 11.00% p.a. (indicative) |
| Loan Amount | Up to ₹5 Crore (subject to property value and eligibility) |
| Tenure | Up to 30 years |
| Processing Fee | 0.35% – 1% of loan amount |
| Age Criteria | 21 – 65 yrs at loan maturity |
| CIBIL Score | 700+ preferred for best rates |
Eligibility Criteria
Salaried Applicants
- Stable employment with at least 2–3 years of overall work experience
- Minimum income as per lender/city norms
- Property should have a clear and marketable title
Self-Employed / Business Owners
- Minimum 3 years of business vintage
- ITR filed for the last 2–3 years
- Property under the applicant's or co-applicant's name
Key Benefits
Long Tenure
Repayment period of up to 30 years keeps the EMI more affordable.
Tax Benefits
Potential tax benefits under Section 80C (principal) and Section 24(b) (interest), as per applicable law.
Balance Transfer
Move your existing home loan to a lender offering a lower interest rate.
Top-Up Option
Eligible existing home loan customers may avail an additional top-up loan.
Application Process
Home Loan – FAQs
How much home loan can I get based on my salary?
▼The eligible loan amount depends on income, existing obligations, age, tenure and lender policy — lenders typically fund up to a set percentage of the property value after assessing repayment capacity.
What is the maximum tenure for a home loan?
▼Many lenders offer home loan tenures of up to 30 years, subject to the applicant's age at loan maturity and lender policy.
Can I transfer my existing home loan to another bank?
▼Yes, a home loan balance transfer is possible to move to a lender offering a lower interest rate, subject to eligibility and the new lender's process.
What documents are needed for property verification?
▼Typically the sale deed, approved building plan, NOC and other title documents are required; the exact list depends on the property type and lender.
Is a co-applicant required for a home loan?
▼A co-applicant is not always mandatory, but adding one, such as a spouse, may help increase eligibility and can offer additional tax benefits.
Need Home Loan Support?
Submit your enquiry and our team will assist you.
Apply Now