Home Loan

  • 6.75% - 9%

    Interest Rate Range

  • 0.50% to 1.50 %

    Processing Rate Range

  • Max 5 Cr.

    Loan Amount

  • 1 Year - 25 Years

    Tenure Range

General information

Rs
Rs
Rs
Rs
Rs
Rs

Personal information

+91
Code Verified
+91
+91

Appointment Date & Time

Current Address Details

Is current address same as permanent address

Permanent Address Details

Terms & conditions *

Company Information

Rs
  • Yes
  • No

Documentation

FOR SALARIED INDIVIDUAL

Job Continuity Proof: Any One from the following:-
  • Current Job Appointment letter (if it is less then 1 year)
  • Experience Certificate (including your previous job certificate or appointment and relieving letter)
  • Latest passport size photo
Income Proof:-
  • Last 2 months salary slip
  • FORM-16 (Last 2 years)
  • Last 6 months bank statement where the salary has been credited
  • Last 12 month loan statement (In case of balance transfer)

For Self Employed

1.  Pan card (individual / firm / company)
  • Pan card (individual / partners / directors )
2. Residence  Address Proof: Any One from the following:-
  • Property Documents
  • Utility Bills / passport copy/ Adharacard / Driving licences/ Voter card ( any One )
3. Office Address Proof: Any One from the following:-
  • Property Documents
  • Utility Bills
  • Any  registration of (indusial/firm/company)
4. Office / Residence Ownership Proof (if any): Any One from the following:-
  • Property Documents
  • Maintenance Bills
  • Electricity Bills
5. Business Existence Proof Any One from the following:
  • Shop Establishment Act
  • Any Tax Registration Copy
  • Company Registration license
  • Company MOA& ROC return
  • Partnership Deed ( if partnership firm )
6. Income Proof:-
  • Latest 3 years Income Tax Returns including Computation of Income, Profit and Loss Account, Balance Sheet, Audit Report, etc.,
  • Last 12 months bank statement current / limit.
7. Required Documents for Balance Transfer (Existing Bank):-
  • Foreclosure letter from the bank.
  • Loan statements

Terms & Conditions

  1. Stamp duty at actual as per applicable law.
  2. Interest rate of sub. (subject to change as per terms and conditions /agreement) as per lender (monthly reducing)
  3. Processing charge of the borrower will be according to the lender.
  4. Govt. tax and levy as per applicable government laws would be charge on all fees and charges.
  5. Cheque/SI/ECS return charges (without prejudice to the civil and criminal rights and remedies of the bank for the dishonor)  As per lender
  6. Default interest / late payment charge: as per lender
  7. Legal repossession and incidental charges: At actual
  8. Duplicate amortization/ repayment schedule: as per lender
  9. Cheque /Si/ESI swapping charges: As per lender
  10. Details of security  As per lender
  11. Taxes at actual, applicable presently or in future.
  12. Date on which annual outstanding balance statement will be issued:31st may
  13. Loan cancellation charges:  As per lender Interest would be charged for the interim period between the date of disbursement and date of loan cancellation
  14. Gap interest will be recovered from disbursement amount where the number of the days between account credit date (i.e. of the disbursement amount ) and first EMI date is more that 30/31 days

Apply for Best Home Loan Online at Lowest Interest Rate

Home Loan from Real Finserv

Whether you're looking to buy a home from a builder, planning to construct one, or you want to simply renovate your home, our home loans can help facilitate any of your requirements. You can also optimize your home loan EMIs by exchanging your current home advance with us at the lowest rates of interest.

Real Finserv Home Loans accompany limitless advantages. Get endorsements even before you select your property, or you can approach us while obtaining one. With quick processing and eye-grabbing interest rates, Real Finserv's home loans are hassle-free and easily accessible. There’s more to it as women candidates applying for home loans are eligible to access the benefit of even lower interest rates.

Key Features

  • Interest Rate – Starting at 6.45%
  • Processing Rate – 5000/- (up to 0.50%)
  • Loan Amount – Up to 20 Cr
  • Loan Tenure – 1 – 25 years

Key Benefits

  • Balance Transfer Provision
  • Top-up Service
  • Overdraft Facility
  • No Part Payment Charges
  • No Prepayment Charges

Real Finserv Home Loan Benefits

  • Affordable Interest Rates
  • Flexible Loan Tenure
  • Easy EMIs
  • Complete Digital Process
  • Hassle-Free Documentation

How To Apply?

Step 1: Firstly, check your eligibility for the loan amount you require.

Step 2: Fill up the General Information, Personal Information & Current Address details.

Step 3: Next, click on ‘Proceed’.

Step 4: You will then be presented with offers, the maximum loan amount that you can avail of, payable EMIs, and the loan tenure with an interest rate.

Step 5: Upload all the required documents.

Step 6: Once you pay the processing fees, your online housing loan application will be complete.

Eligibility Criteria

  1. Age: Minimum Age: 21 years, Maximum Age: 65 years
  2. Nationality: Indian
  3. Employment Status: Salaried, Self-employed
  4. Credit score: At least 720 or more

Documents Required

  1. Valid Identity Proof
  2. Valid Address Proof
  3. Valid Income Proof
  4. Property Proof
  5. Business Proof

Type of Property

  1. Approved by Authority
  2. Approved by Industrial Authority
  3. Approved by the Municipal Corporation
  4. Housing Board Property
  5. Society Patta
  6. Freehold Property

Free Credit Score Check

Dos & Don’ts While Applying For A Home Loan

Dos

  • Research well about the home-property price, background, clearances, etc., as well as about the home loan itself: interest rate, processing charges, repayment schedule, etc.
  • Make sure you know about all the charges involved in the process & the amount you have to pay
  • Ensure that all the required documents are in place
  • Ensure that you have a good credit score before you apply
  • A stable employment is a must to avoid instability in future

Don’ts

  • Don’t opt for too many loans before you apply for a home loan as it may impact your eligibility
  • Never exceed the spending limit on your credit card and avoid delaying your loan repayments, as it negatively affects your credit score
  • Don’t forget to compare interest rates offered by different loan providers in the market
  • Avoid taking loan amounts higher than you can afford as you may find it difficult to repay
  • Never sign the documents before you read all the terms and conditions mentioned

Track Application

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Frequently Asked Questions

A home loan is a secured loan taken for the purpose of buying a residential property. You can apply for a home loan either to buy a home from a builder, construct on your own, or simply renovate your home.

Real Finserv offers home loans at lower interest rates starting at just 6.75% up to 5 Cr repayable over a long tenure of 25 years.

Banks/ financial institutions consider the following factors while determining your loan eligibility:

  • Age
  • Annual Income
  • Employment Status
  • Nationality
  • Credit score
  • Other ongoing loans, if any

You can avail a home loan online in a few easy steps:

  1. Check Eligibility
  2. Fill In The Home Loan Application Form
  3. Upload Documents
  4. Pay The Processing Fee
  5. Your Loan Is Approved

You can apply for a home loan at any time once you decide to purchase or construct a property, even before the selection of property or commencement of the construction.

  • Identity Proof
  • Address Proof
  • Income Proof
  • Property Proof
  • Business Proof

Yes, you may be eligible for tax benefits on repayment of the principal and interest amount of your Home Loan.