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A home loan is a secured loan provided by banks or financial institutions to help individuals purchase, construct, or renovate residential properties. The property itself serves as collateral until the loan is repaid in full.

Features of Home Loan

A home loan is a long-term financial product designed to help individuals purchase, construct, or renovate a residential property. One of the most appealing features of a home loan is the high loan amount it offers, which can range from ₹2 lakhs to ₹10 crores or more, depending on the applicant's income, credit profile, and the value of the property.

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Documents Required for Salaried

  • Pan Card
  • Aadhaar Card
  • 3 Months Salaryslip
  • ITR for last 2 Years/ Form-16
  • Age:21-45
  • Property paper , permission for construction(when applicable)
  • Register Agreement for sale

Documents Required for Self-employed

  • Aadhaar Card
  • PAN Card
  • GST Certificate
  • Electricit Bill
  • Passport size photo
  • 12Months Banking
  • 2 Year complete Financials
  • Property Paper

Types of Home Loan

Balance Transfer

A balance transfer loan involves moving the outstanding balance of an existing loan (like a personal loan) to a new lender who offers better terms, such as a lower interest rate. This can result in reduced monthly payments and potentially save money on overall interest costs.

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Loan Against Property

A Loan Against Property (LAP) is a type of secured loan where you borrow money by using your property (residential or commercial) as collateral. It's essentially a mortgage loan that allows you to access funds based on your property's value, providing a way to tap into its value for various financial needs.

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Top-Up Loan

A Top-Up Loan is an additional loan amount you can borrow on top of your existing loan, without needing to start a new application from scratch. It’s most commonly available on: Personal Loans Home Loans Car Loans

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FAQs

With Cbfsloan Personal Loans

With Cbfsloan Home Loans, A home loan is a type of secured loan where a bank or financial institution lends money to help you buy, build, or renovate a house. The property acts as collateral until the loan is fully repaid.

Please click here if you want to apply for Cbfsloan Home Loans.

Both salaried and self-employed individuals, including NRIs, can apply—provided they meet the lender's eligibility criteria like age, income, employment stability, and credit score.

You can claim: Up to ₹1.5 Lakhs under Section 80C on principal repayment Up to ₹2 Lakhs under Section 24(b) on interest paid

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