Home Loan

Online Home Loan Application

Convert your dream home into reality

Get Home loan in just 15 days of application

with lower interest rate at 8.20% p.a.

From Nationalised banks and Private Banks and NBFCs

Apply Now

 

How to Get Home loan ?

VSURE CFO helps you to get easy business loan approval from different banks and NBFC at lower interest rates with flexible tenure. So if you are looking for having unsecured business loan for your business marketing and daily routine expenses. You can get apply through us.

Are home loans safe to avail ?

Yes, they are absolutely safe to avail, given the long duration they are availed for. The property you wish to purchase will be used as the collateral up till the time the loan is paid. The loan can also be pre-closed at your convenience.

What is the maximum period of home loans ?

The loan period starts at the tenure of 5 years and may be extended up to the tenure of 30 years. The tenure, however, depends upon the amount of loan which is applied for by the borrower and also his capacity of paying back.

Who are eligible for a home loan ?

Anyone who is self-employed or a salaried person may apply for a home loan. The income, however, has to be a regular source. Other criteria are the person must be aged 21 and above but not more than 65 years of age.

What are the documents and information required while availing a home loan ?

The documents are loan application form, passport size photographs, identity proof, residence proof, bank statement of 6 months, a copy of plan approved, Cost estimation/ valuation report from Bank’s (or finance company)  authorised surveyor/evaluator, and allotment letter housing board/ NOC of the society/Builder etc. as well as any other land use certificate/other.

Can a borrower avail for joint borrowing ?

Yes, the borrower of the home loan can assign another individual as a joint holder of the account and both the individuals will be responsible for the loan. However, there has to be an immediate relationship between both the holders.

Are home loans provided on a fixed rate or floating rate ?

Home loans are provided on a fixed rate basis and also on a floating rate basis. The choice stands upon you and you may choose to go for the rate you want to. There is also a deal that institutions provide is the conversion of floating rates into a fixed rate.

Is foreclosure allowed ?

Yes, you may make a lump sum payment before the due date and choose to close your loan. There is, however, a fine of around 2 to 3 percentage, which is a charge on the principal amount left outstanding at the time of foreclosure.

On what basis is a home loan offered ?

Home loans are generally of a long period and comprise a larger amount. Hence, the banks will have to go through your ability to pay back the loan to ensure you have sufficient funds. The basic criterion is the credit score of the person.

Are there any types of home loans ?

You may avail the perfect loan as per your requirement as there are many types of loans. They are land purchases, home purchase, home construction, home expansion/extension, home improvement, home conversion, and NRI home loans. You may avail of the loan as per your motive.

Can a joint loan be availed with a friend ?

No, there is no permission given by any of the financial institutions to avail of a home loan with a friend or any other person who is not related to the borrowed in any way possible. There has to be an immediate relationship between the borrower and the joint holder.

Get resolve your query for your business loan application

You can send your query with contact details relevant to below subject :

  1. How to get business loan for your startup company ?
  2. How you can grow your business with your business loan ?
  3. Why business loan is nowhere hurdle in your business ?

Send us below documents for Business loan application

Sr. No.Documents Of PromotersDocuments & Details In Respect Of Company
Proof of Identity

Scanned Copy of Any One Of Below               

    • Voter id 
    • Aadhar Card
    • Passport
    • Driving Licence

 

  • Business Name 
  • Nature of Goods & Services 
Proof of Address

Scanned Copy of Any One Of Below

  • Promoters Bank account statement /passbook copy
  • Telephone bill copy
  • Electricity bill copy
  • Water bill copy

Scanned Copy of Any One Of Below

  • Registered Office Rent Agreement
  • Registered office ownership deed if owned
  • Electricity bill/Telephone bill/Water bill copy
  • NOC from Landlord 

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