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Basic Home Loans
Siddhivinayak Finserv Home Loans provides premium financing solutions to home buyers. Whether you’re aiming for quick approvals, smaller EMIs, longer tenures, or competitive interest rates, we customize home loan solutions to meet your specific requirements. Through attractive interest rates, superior customer service and expert guidance at your doorstep, we ensure a delightful home buying experience.
Home Loan is an agreement between borrower and the lender (bank or NBFC) that regulates the term of loan. Siddhivinayak loan in Delhi/NCR provide you a list of options. Loan eligibility criteria for almost all the banks are different but there are some common loan eligibility criteria which borrower has to fulfill to avail home loan from bank or NBFC.
Home Loan is an agreement between borrower and the lender (bank or NBFC) that regulates the term of loan. Siddhivinayak loan in Delhi/NCR provide you a list of options. Loan eligibility criteria for almost all the banks are different but there are some common loan eligibility criteria which borrower has to fulfill to avail home loan from bank or NBFC.
Following are some key important factors which would be checked by bank or NBFC to accept or reject the home loan application
AGE
At the time of home loan application, applicant must be 21 years or above but not more than 60 or 65 years because repayment of the loan has to be completed on or before 60 or 65 years of borrower age.
Employment Continuity
Bank or NBFC checks employment continuity of an individual who is applying for home loan. An individual should have 3 years of working experience in the business or employment. A regular source of income, ensure the lender regular repayment of their housing loan EMI.
Cibil Score
A home loan borrower who is having good cibil score will get quick loan from the bank or NBFC. Cibil score is a decisioning factor for sanctioning or rejecting home loan applications.
Documents Required For Basic Home Loans
Please note that the list of documents mentioned is indicative. During loan processing, additional documents may be needed. The same shall be communicated to you as and when required.*
✓ KYC Documents – Passport, Driving License, Aadhaar Card, Voter ID Card, Registered Rent Agreement.
✓ Employment details – ID Card, last 3 months’ salary slips.
✓ Bank account statements for the last 6 months (salaried)/ 12 months (self-employed).
✓ Document of proof of business of minimum 5 years (for businessmen/ self-employed professionals).
✓ Form 16 (Part A & Part B) and filed Income Tax Returns (ITR) for the past two years.
✓ KYC Documents – Passport, Driving License, Aadhaar Card, Voter ID Card, Registered Rent Agreement.
✓ Employment details – ID Card, last 3 months’ salary slips.
✓ Bank account statements for the last 6 months (salaried)/ 12 months (self-employed).
✓ Document of proof of business of minimum 5 years (for businessmen/ self-employed professionals).
✓ Form 16 (Part A & Part B) and filed Income Tax Returns (ITR) for the past two years.
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