Home Loan in Ahmedabad
Home Loan is a secured loan that can be availed to buy a property. Home Loan Agent Ahmedabad like Moratorium Finserv makes Home Loan in Ahmedabad available against the Property or collateral only that’s why it’s called a secured loan. Those who are salaried employees or Businessman or any earning person can avail the Home Loan.
Home Loan in Ahmedabad can be availed for the purpose of New Property purchase like Flat, Tenements, bungalow, Land purchase, Plot+ Constructions etc.
Home Loan Provider in Ahmedabad
Generally, Home Loan Provider in Ahmedabad gives Home Loan for a period of 3 year to max 25 years. However, some of the banks/ NBFC can extend the tenure from 30 years to 35 years depending upon the customer's Profile/ Company category and CIBIL scores.
As Home Loan is a secured loan so risk lower the risk involved to the lending company so, they generally charge lower ROI and PF compared to unsecured Loan and the Commercial & charges depend upon the risk capacity of the customer’s overall Profiles.
Feature & Benefits of Home Loan
- Lowest ROI compare to Other unsecured Loans
- Repayment tenure up to 30 years or max 35 years so, EMI would be lower
- Zero Part payment & Foreclosure Charges
- Fast Disbursement & Process
- Max Top up for Home Renovation, Home extension etc.
- Debt consolidation like CC payments or any other Loan closer and Reduce Higher monthly EMI burden
- Transfer/ Switch your Higher ROI loan to Lower ROI banks/ NBFC
- Overdraft facility available in-home loan/ Top up Loans- Interest will be charged in utilized amounts only.
- Fresh Builder Purchase Loan
- Resale Purchase Loan/ Seller BT
- Home Loan Balance Transfer
- Plot + Construction Loan
- Age must be 23 years and Cibil score above 650+
- Person should be working in Pvt ltd/ ltd/ LLP/ Partnership firm and proprietorship for salaried cases
- Person should not have default or delay payments in any of the EMI in last 12 months
Type of Home Loan
Minimum Criteria Requirement for Home Loan
Home Loan ROI & Charges
|Loan Amount||Rs. 10 lac- 10 Cr|
|Tenure||5 Year - 30 Years|
|ROI||7.50 % - 10 % (Floating)|
|Processing Fees||0.25% -2% + GST|
|Foreclosure Charges||Nil for Floating ROI (4% for Fixed ROI)|
|Part Payment Charges||Nil for Floating ROI (2% for Fixed ROI)|
Document Requirement for Home Loan
|Document||Salaried Person||Self Employed|
|Address Proof||Passport /Voter ID card / Driving License||Passport /Voter ID card / Driving License|
|Registration Proof||Company ID Card||GST Certificate / MSME Certificate/ Gumastadhara|
|Income Proof||Last 3-month Salary slip||last 12-month GST Return|
|Banking||Last 12-month Salary banking||Last 12 month Current & Saving bank Ac statement|
|ITR||Last 2 years ITR or Form 16||Last 2 years ITR along with computation of income, Balance Sheet and P & L Ac|
|Repayment Track Records||Last 12-month EMI banking or SOA of all live loans||Last 12-month EMI banking or SOA of all live loans|
|Legal Property Documents||Legal Master file including Sale deed copy||Legal Master file including Sale deed copy|
|Technical Property Documents||Approved Unit & Layout Plan||Approved Unit & Layout Plan|
How will Moratorium Finserv Will help you with Home Loan in Ahmedabad?
As a Financial Service Provider, we will help clients to get Home Loan in Ahmedabad from various banks/ NBFC as we have a tie up with all the financial institutes/ Banks and have good relationships with them. We are able to provide faster processes and smooth services at the client's doorstep across all locations. (Pan India).
Due to the vast experience of our team as Home Loan Provider in Ahmedabad, we are able to provide service as per customer's requirement/Needs. We will suggest bank/NBFC to clients according to customer's profiles and financial eligibility & we help Clients to get the best offer from banks for Home Loan in Ahmedabad. That will solve clients’ financial problems and our motto is "Not to lend but to help".