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Visit CRDTLIN Capital and make your homeownership journey stress-free. We understand the importance of finding the perfect home, and we're here to make your dream a reality.

Home Loan

What is a Home Loan?

A home loan, also known as a mortgage, is a way to get money from a bank so you can buy a house. You fill out an application to ask for the loan, and the bank looks at your finances to decide if they'll give you the money. If they say yes, you agree to pay back the loan, plus extra money called interest, over some time.

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Eligibility Criteria for Home Loan

Eligibility

To be eligible for a home loan, you typically need a steady income, a good credit score, and stable employment. Lenders consider factors such as your ability to make a down payment, your debt-to-income ratio, and the property details. Age, documentation, and having a co-applicant can also impact eligibility. Criteria may vary among lenders, so it’s important to check specific requirements before applying.

Work Experience

When applying for a home loan, your work history matters. Lenders like to see a stable job, a regular income, and may ask about any job gaps. If you’re self-employed, they check your business finances. Bonuses and career growth are good, and the type of industry you work in also matters. Be honest about your work situation, and it’s smart to talk to a mortgage advisor for guidance.

Credit Score

Above 750

Minimum Age

18 years with some lenders setting the minimum age of 21 years

Maximum Age

Usually 70 years at the time of loan maturity with some lenders extending the tenure till 75 years of age

Work Experience
(For Salaried)

at least 2 years

Business Continuity
(For self-employed)

at least 3 years

Loan Amount

Up to 90% of property value

Document Required

When applying for a home loan, gather essential documents like proof of identity, income details, property documents, and bank statements. Ensure a good credit score, provide legal paperwork, and be ready for property appraisal.

Proof of Identity

Age Proof Documents

Proof of Income

For Salaried Professionals:

Proof of Address

Property-related Documents

For Self Employed Individuals:

Why Choose Us

We Provide Home Loan with
Transparency

Our experienced team ensures quick approvals, a customer-centric approach, and flexible repayment options. Trust in seasoned professionals to guide you through the journey of homeownership.

Lowest Rates Guaranteed

Benefit from our home loans with the most competitive interest rates, saving you money over the life of your loan.

Tailored for You

Enjoy flexibility with personalized repayment plans designed to fit your unique financial situation and preferences

Effortless Process

Our transparent and streamlined application process ensures a quick and hassle-free path to securing your home loan.

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To get a personal loan, fill out the below from and get the amount in account.


FAQ

You Can Find All Answers Here

Approval times differ among lenders. Some online lenders offer quick approval decisions, often within a day, while traditional banks may take longer. Having all necessary documentation ready can expedite the process.
Some lenders specialize in providing personal loans to individuals with less-than-perfect credit. However, the interest rates may be higher, and the loan terms less favorable. It's essential to compare options and consider improving your credit before applying.
If you anticipate difficulty making a payment, it's essential to contact your lender immediately. Some lenders offer options such as loan modification or deferment. Failure to communicate with your lender may result in late fees or damage to your credit score.