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Loan Against Property

Overview

Recognizing the profound significance of home in our lives, Financease is committed to realizing your dream of homeownership. We understand that a home is not just a physical space but a sanctuary where love flourishes and cherished memories are made.

Our mission is to provide accessible and affordable home loans to individuals and families, ensuring that everyone has the opportunity to own a place they can truly call their own. With our competitive interest rates and flexible repayment options, we strive to make the journey to homeownership as smooth and rewarding as possible.

At Financease, we believe that a home is more than just a structure – it’s a symbol of security, stability, and belonging. We are here to support you every step of the way, from exploring financing options to securing the keys to your new home. Let us help you turn your dream of homeownership into a reality with Financease.

Loan Against Property emi calculator

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Why choose Financease for your Loan Against Property needs?

Choosing Financease for your home loan needs offers a multitude of advantages tailored to make your homeownership journey seamless and rewarding. Here’s why Financease stands out:

  1. Competitive Interest Rates: Financease offers some of the most competitive interest rates in the market, ensuring that you get the best deal for your home loan. Our rates are designed to be affordable, making homeownership more accessible to a wider range of individuals and families.

  2. Flexible Repayment Options: We understand that everyone’s financial situation is unique. That’s why Financease offers flexible repayment options tailored to fit your specific needs and preferences. Whether you prefer fixed monthly payments or adjustable terms, we have a solution that works for you.

  3. Streamlined Application Process: Applying for a home loan can be a daunting task, but Financease makes it easy and hassle-free. Our streamlined application process is designed to save you time and effort, with dedicated support every step of the way. From initial consultation to final approval, we’re here to guide you through the process.

  4. Expert Guidance: Our team of experienced mortgage specialists is dedicated to providing you with expert guidance and personalized assistance. Whether you’re a first-time homebuyer or a seasoned investor, we’ll help you navigate the complexities of the home loan process and find the best solution for your needs.

  5. Transparency and Integrity: At Financease, transparency and integrity are at the core of everything we do. You can trust us to provide honest and straightforward advice, with no hidden fees or surprises. We believe in building long-term relationships based on trust and reliability.

  6. Customer Satisfaction: Your satisfaction is our top priority. We strive to exceed your expectations at every turn, from the moment you inquire about a home loan to the day you receive the keys to your new home. With Financease, you can rest assured that you’re in good hands.

Choose Financease for your home loan needs and experience the difference firsthand. Let us help you turn your dream of homeownership into reality.

Required Documents

  1. Recent 3 Month Salary Slip {If Customer is salaried person}
  2. ITR AY 21-22
  3. ITR AY 22-23{If Customer is BusinessMan}
  4. Gumasta & Udyam & GST Certificate {If Customer is BusinessMan}
  5. 1 Year Bank Statements
  6. Pan & Adhaar and Photo
  7. Passport Size Photo
  8. Property Paper

Eligibility Criteria

Home loan eligibility varies across lending institutions and loan schemes so a common set of housing loan eligibility criteria is given below

Salaried Individuals:

  1. KYC (Photo, PAN card, Aadhar Card of Applicant & Co-applicant)
  2. Latest 3 months Salary Slip
  3. 12 month bank statement (Reflecting the salary credited)
  4. Utility Bill (Electricity Bill / Gas Bill)
  5. 2-year Form 16 Company ID Card / Offer Letter / Visiting Card
  6. NOC from Society/Builder
  7. A detailed estimate of the cost of construction of the house (Cost Sheet)
  8. Registered Sale Deed, Allotment Letter or Stamped Agreement of Sale with the Builder
    (original document)
  9. Receipts of the advance payments made towards the purchase of the flat (original
    document)
  10. Occupancy Certificate & Completion Certificate

* If OC is not available then Plan copy need to be provided. > Self Employed Individuals:

  1. Individual KYC (Photo, Pan, Aadhar Card of all applicant & Co-applicant)
  2. Utility Bill (Electricity Bill)
  3. Gumasta Licence (Proprietor), Company Pan Card/Partnership Deed (Partnership), Company Pan Card/MOA/AOA/Certificate of Incorporation, Shareholding & List of Director (Pvt. Ltd.)
  4. Udyam Certificate
  5. 1 year GST return.
  6. Last 2 years ITR of company and individual (Acknowledgement, Computation of Income, Balance Sheet & Profit & Loss Account with schedules, (If applicable 3CD & 3CB))
  7. Last 12 months current account banking
  8. Last 6 months saving account banking
  9. NOC from Society/Builder
  10. A detailed estimate of the cost of construction of the property (Cost Sheet)
  11. Registered Sale Deed, Allotment Letter or Stamped Agreement of Sale with the Builder (original document)
  12. Occupancy Certificate & Completion Certificate

* If OC is not available then Plan copy needs to be provided. * If the applicant is buying property from Builder itself and the property is under construction then we need a cost sheet.
Note: The above list is indicative and your lender might ask for additional documents.

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