Home Loan in Pune
Pune is the second largest city in the Mharashtra state. It is a growing industrial area, and Pune has emerged as a new business hub in the I.T., Real Estate, and agriculture sectors.
Avail the best home loan in Pune and get 80% to 90% L.T.V with repo rates and interest rates for home loans.
Home Loan
Avail Home Loan in Pune.
A home loan is a basic need. When a person purchases a new house and land, they will have to pay a down payment of 10% to 20%, and EMIs will pay the remaining fee for five years to 30 years. Lenders and financial institutes provide housing loans.
Home Loan products and services
Avail is the best home loan for a salaried and self-employed person. We have the best top 10 housing finance lenders and banks to fulfil your requirements for a new home loan, a home loan for construction, a plot purchase home loan, a loan against property, a new flat purchase home loan, improvement home loan, home loan renovation, home loan balance transfer, new house loan, Home loan top up, low interest rates housing loan, equity home loan, mortgage loan.
There is the best opportunity to buy New homes, plots, and flats and get L.T.V. up to 90% home loan, and you could avail of a 30-year tenure in Pune.
Avail is the best home loan for salaried and self-employed people. We have the top 10 Housing finance Lenders to fulfil your new home loan, home loan for construction, plot purchase home loan, loan against property, new flat purchase home loan, and equity home loan.
Home Loan/Home loan balance transfer Eligibility in Pune
Age – 21 years up to 65 years.
The resident should be Indian, for N.R.I am a non-resident of an Indian person. Some lenders are offered.
Salaried person -2 years continue in the job.
Self-employed – 3-year ITR with G.S.T.
CIBIL Score should be 720 and above.
Best Home Loan interest Rates in Pune
BANKS | INTEREST RATES | PROCESSING FEES | APPLY PROCESS |
---|---|---|---|
SBI Home Loan | Home Loan interest rates SBI Start 8.50% – 9.85%*p.a | As per Lender | Quick Apply |
HDFC Bank Home Loan | Home Loan interest rates HDFC BANK. Start -8.75%* p.a. | As per Lender | Quick Apply |
ICICI Bank Home Loan | Home Loan Interest rates icici bank. Start – 8.75%*p.a. | As per Lender | Quick Apply |
Bank of Baroda Home Loan | Home Loan interest rates in Bank of Baroda. Start – 8.45%*p.a. | As per Lender | Quick Apply |
Kotak Bank Home Loan | Home Loan interest rates in Kotak bank. Start -8.60%*p.a. | As per Lender | Quick Apply |
Axis Bank (Home Loan) | Home Loan interest rates in Axis Bank. Start – 8.75%*p.a. | As per Lender | Quick Apply |
PNB Housing Finance | PNB Housing Finance interest Rates. Start – 8.90%*p.a. | As per Lender | Quick Apply |
IIFL (Home Loan) | IIFL Home Loan Interest rates Start – 8.90%*p.a. | As per Lender | Quick Apply |
Aditya Birla Housing Finance | Aditya Birla Home Loan interest rates. Start – 8.90%*p.a. | As per Lender | Quick Apply |
Union Bank Home Loan | Union Bank Home Loan interest rates. Start – 8.40%*p.a. | As per Lender | Quick Apply |
L.I.C Housing Finance | L.I.C Housing Loan Interest rates. Start – 8.50%*p.a. | As per Lender | Quick Apply |
Best Home loan in Pune
Home Loan L.T.V | Up to 85% *of property value. |
Best Interest Rates | Start 8.40%* goes up to 13%. |
Home Loan Tenure | up to 30 year* and depends age limit . |
Credit Score | Take call- home loan 720 credit score. |
Processing Fees | Start processing fee – .40% to 2% of Loan amount+GST. |
Types of Home Loan offered in your Pune
New Home Loan for Residential Property Purchase – A new home loan we can avail of for residential flats, villas, bungalows, apartments, and residential buildup homes. Banks/NBFC will approve home loans 80% to 90% of property value after valuation.
Home Loan for Construction and Renovation— Home construction loans are available to construct your home and residential plot/houses. For example, they could be used to construct the ground floor or first floor or renovate your home.
Home Loan Balance Transfer & Takeover Home Loan— A Home loan balance transfer is a way to reduce your current EMI if your existing home loan has high interest rates. You could also take over your home loan from another bank or financial institution.
Home Loan Plots Purchase— Only plot purchase housing loans are funded by some NBFCs. These financial institutes approve 60% to 65% of housing loans for plot purchases, and you could also take a construction loan; it’s called a p+c Home loan.
Our Best Home Loan Partner- HDFC BANK Home loan || ICICI bank Home Loan || Kotak Mahindra bank Home Loan || SBI Home Loan || PNB housing finance home loan || Axis Bank Home Loan || Bajaj finance Home Loan || Tata Capital Home Loan | |L.I.C Housing Finance || Aditya Birla Housing Finance ltd || Union bank home loan
Home loan documentation in Pune
Salaried Home Loan Document-
Address Proof- Aadhar card, passport, Driving License, Telephone Bill, Ration Card, voter ID- card, utility bill.
Age Proof- Birth certificate, PAN Card, Aadhar Card, or other Govt certificate.
Income Proof- A duly filled form 16, salary slip of the last three months, salary a/c statement latest -6 months, form- 26as, ITR Last three years, joining letter of your organization.
Property Documents- Registered sale deed, letter of allotment, builder buyer agreement (NOC)
– Occupancy certificate for ready-to-move properties
– Copy of the building plan for purchasing flats, villas,
– Payment receipt buyer- builder a/c details.
– Resale property- Property sale deed chain, approved map by authority.
Self- Employed individual home loan documents
Address Proof: Aadhar card, passport, Driving License, Telephone Bill, Ration Card, voter ID- card, utility bill.
Age Proof: Birth certificate, PAN Card, Aadhar Card, or other Govt certificate.
Income Document: – I.T Returns for the last three years, with p/L account, balance sheet,
– Computation of income – 2 years.
– Challans proof of advance income Tax payment.
– Proof of business of address, c/a bank statement.
– G.S.T. Registration/ Firm PAN number/26as.
Eligibility of Home Loan in Pune
When buying a new home in Mumbai, you must complete some eligibility parameters to qualify for a new home loan.
Residential Status—Residential status parameters should be followed before applying for a new home loan for Indian residents and NRIs.
Income Eligibility- The lender checks all income proof – for self-employed – ITR Continue status, audit report, balance sheet, all company parameters and Salaried employee income eligibility lender will check – the applicant’s job active status is form-16 available, salary slip, banking, and other status.
Age of Applicant Eligibility—The Applicant and co-applicants should be 20+ years old to 65 years old, but some lenders give relaxation.
Property Authentication Eligibility—The lender checks all property sale deeds, approved MAP, O.C. and C.C., allotment letters from society /Housing Board/PVT builder/approved building plan/original N.O.C, etc.
Lowest Home Loan interest rates in Pune
The lowest home loan interest depends on your credit score and income documentation. First, improve your credit score to 780+ to avail yourself of the best home loan interest rates. We have the top 10 Lenders offering the lowest home loan interest rates.