Home Loan in mumbai

Home loan agent in Mumbai

Best home loan Agent in mumbai

A home loan is a secured loan that can be used to purchase or develop your Dream. Presently, the interest rate on a home loan starts at 8.40% per annum. Most banks and HFCs approve house loans ranging from 75% to 90% of the property's worth. Some of the primary advantages of home loans are low processing fees, provisional approval, 1 to 25-year terms, and adjustable EMIs.

Why Select D2Finserv for Home Loan?
  1. Lowest Interest Rate :
    2. Home loan interest rates are at their lowest in 15 years. With rainy festival home loan offers, you can now get the best interest rate on house loans beginning at 6.45% p.a. for all loan amounts.
  2. Affordable EMI plans :
    3. With greatest repayment flexibility, you may now get the lowest Home Loan EMI of Rs. 765/- per lakh. Step-Up EMIs, Step Down EMIs, Moratorium, OD facility, balance transfer, top up, and more alternatives are available.
  3. No Foreclosure Charge :
    4. Home loans with variable interest rates (tied to the repo rate) provide the most prepayment flexibility. There is no charge for partial or full prepayment. You can lower your interest costs by prepaying early.
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Key Features About Home Loan

  • Interest Rate – Starting at 8.40%
  • Processing Rate – 5000/- (up to 1.00%)
  • Loan Amount – Up to 20 Cr
  • Loan Tenure – 1 – 30 years

Key Benefits For Home Loan

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

Home Loan Benefits from D2Finserv

  • Affordable Interest Rates
  • Flexible Loan Tenure
  • Easy EMIs
  • Complete Online Process
  • Easy Documentation
  • Multiple Options

Eligblity Criteria For Home Loan

  • Age : Minimum Age: 21 years, Maximum Age: 75 years*
  • Employment Status: Salaried, Self-employed, Pensioners
  • Require Credit score : Minimum 650 or more

Required Documents for Home Loan Process :

  • Valid Identity Proof Like Aadhar Card, Passport, Driving License, Voters ID Card, PAN Card and others...
  • Valid Residential Proof Like Aadhaar Card, Passport, Voter ID Card, Driving License, Lease Agreement, Rent Agreement and others...
  • Income Proof Like Latest Salary slip, Form No.16, duly authenticated by employer, 6-month bank statement in which salary is credited, Income Tax Return, Last three years’ ITRs, Pensioner’s Portion of PPO in original
  • Photographs Two recent, colour passport size photographs

Frequently Asked Questions For Home Loan

A home loan is a secured loan used to purchase a residential property. You can apply for a home loan to buy a home from a builder, build your own home, or just renovate your current home.

D2Finserv provides home loan with lowest interest rates beginning at 8.40% and up to 20 Cr repayable over a 30 years term.

Banks & NBFCs consider the following factors while reviwing your loan eligibility:

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

You can apply for a home loan at any moment after deciding to buy or build a home, even before selecting a property or starting construction. You can apply for Pre-Approved Home loan also.

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

Income tax benefit on home loan is available under Section 80 EEA, which provides income tax benefits of up to Rs. 1.5 lakh on the home loan interests paid. These home loan tax benefits are available over and above the existing exemption of Rs. 2 lakh under Section 24(b).

When you are applying for home loan, most banks require you to have an ITR of at least the last 3 years.

You can apply for a home loan under PMAY (Pradhan Mantri Awas Yojana) to receive a home loan subsidy of up to Rs. 2.67 lakhs every year till the end of the duration.