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Home Loan

Secure Your Home Now With The Home Loan Plan!

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What is Home Loan?

Housing Loan is a stepping stone in realizing your dream home. Gandharva finvhat enterprises llp offers wide variety of home loans which will fulfill your needs at one of the lowest interest rates available. Our home loans cater to all types of customer base viz., salaried, self-employed, professional, NRIs, etc. Our products are customizable according to your home loan eligibility. Get lowest interest rates and fulfill the dream of owning your dream home. Apply Today! We Provide Home Loans at low Interest Rates @ 6.70% onwards. T&C Apply. Contact Us! Loan up to 10 years. Takeover & Top Up. Low EMI. Max Tenure 30 Years. Easy Documentation.

Types of Home Loan

Home Loan for Resident Indian

A Home loans or housing loans are available for purchase of underconstruction or ready to move homes. Housing loans can also be availed for construction of own house. The following are eligible for Home Loan from Gandharva Finchart enterpises llp: 1. All Salaried employees working in Private or Government/Public Organizations. 2. Self-employed individuals. The following individuals are also eligible under our Griha Suvidha Home Loan: 1. Employees drawing part of salary in cash 2. Salaried employees seeking home loan term beyond retirement. For information on all eligible customers under Griha Suvidha Home Loan


Home Loan for Non Resident Indian

Gandharva Finchart enterpises llp NRI Home Loan allows many NRIs (Non Resident Indians) to get home loans when investing in properties. Financially, it makes sense to purchase a property through home loan rather than through personal financing especially when you can invest your personal funds somewhere else for better returns. There is no other sense of security than having a Home in your own country. Gandharva Finchart enterpises llp wide variety of home loans for NRIs aspiring to own a house in India. Our products are customizable according to your home loan eligibility and are available at one of the lowest interest rates.

Pradhan Mantri Awas Yojana

A A special Housing Loan scheme for First Time Home Buyers by the Government of India. All families having income of Rs 3 lakh to Rs 18 lakh are eligible under scheme provided they plan to purchase or construct their first pucca house. For all details and benefits under the scheme click here. For list of statutory towns eligible under the scheme visit the official website of National Housing Bank.Pradhan Mantri Awas Yojana- Credit Linked Subsidy Scheme (PMAY-CLSS) enables home loan borrowers purchasing or constructing their first pucca house to get subsidy credited into their loan account of upto 2.67 lakh.


Plot Loan

Loans are provided against purchase of residential plots for construction of home within period of 3 years. For more details on all Plot Loans provided by Gandharva Finchart enterpises llp. operating in the country offer plot or land loans to eligible applicants. The loans can be availed to buy a residential plot where you can build your dream home. They are provided at attractive rates and can be repaid in affordable EMIs with the maximum repayment tenure going up to 25 years. Read on to know more about plot loans.


Home Improvement Loans

Gandharva Finchart enterpises llpoffers loan for renovation or improvement of home.
Home Renovation Loan Features
Online plot loan sanction facility
Quick sanction and low EMI
Simple documentation
Amongst the lowest rate of interest
Available for both existing and new customers. Home Improvement Loans Uk. Find Quick Results from Multiple Sources. Get Home Improvement Loans Uk. Get Instant Quality Results at iZito Now! Explore the Best Info Now. Powerful and Easy to Use. 100+ Qualitative Results.


Home Renovation Loan

A Home Renovation Loans are available for existing as well as new customers. For more details on Home Renovation Loans. Home Renovation Loan Features Online plot loan sanction facility Quick sanction and low EMI Simple documentation Amongst the lowest rate of interest Available for both existing and new customers.Not everyone may have ready cash to afford a renovation when they want to, and for this, an easy solution is a Home Renovation Loan. You can take a Personal Loan for Home Renovation from Gandharva Finchart enterpises llp and give your home that much-needed makeover


Top Up Loan

Top Loan is additional loan over home loan provided to existing customers. To know more about top up loan o know your eligibility and to apply There should not be any limit to your dreams. Avail top loan from Gandharva Finchart enterpises llp on your existing home loan so that you never stop dreaming bigger. Top up Loans are available for both existing and new customers. New customers can avail top up when they switch their existing home loan to Gandharva Finchart enterpises llp.


Balance Transfer

Balance Transfer or Takeover of your existing home loan with other financial institute is also possible. To know about Balance Transfer to Gandharva Finchart enterpises llp.To transfer your existing loan to Gandharva Finchart enterpises.Don’t let high EMIs come in the way of your dreams. Switch your home loan without any hassle toGandharva Finchart enterpises llp and enjoy benefits such as lower rate of interest, affordable EMIs, top up loan and much more. llp


Home Purchase Loans

Get lowest interest rates and fulfill the dream of owning your dream home. Apply Today! We Provide Home Loans at low Interest Rates @ 6.70% onwards. T&C Apply. Contact Us! Loan up to 10 years. Takeover & Top Up. Low EMI. Max Tenure 30 Years. Easy Documentation.This type of loan is taken to buy a residential property, including flats, row houses and bungalows. The maximum loan amount offered by banks is 90% of the present market value of the property.

Documents Required for home loan:

  • Loan application form.
  • 3 photographs passport sized.
  • Identify proof
  • Residence proof
  • Bank Account Statement/Passbook for last 6 months.
  • Signature verification by bankers of the applicant.
  • Liabilities statement and Personal Assets.
  • Liabilities statement and Personal Assets.
  • Salary Certificate (original) from employer. (salaried individuals)
  • Form 16/IT Returns for the past 2 financial years. (salaried individuals)
  • IT Returns/Assessment Orders copies of the last 3 years. (self – employed professionals)
  • Challans as proof of Advance Income Tax payment. (self – employed professionals)
  • Proof of business address for non-salaried individuals. (self – employed professionals)
  • IT returns/Assessment Orders copies of the last 3 years. (Self – Employed Businessmen)
  • Challans as proof of Advance Income Tax payment. (Self – Employed Businessmen)
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Benefits of a home loan

  • Tax benefits on home loan To encourage more and more people buy their own house, government of India provides tax deduction on the principal as well as interest paid on home loan.
  • Tax benefits on second house In case of second house, you are eligible to claim deduction for the entire amount of housing loan interest paid under Section 24B of Income Tax Act..
  • No prepayment charges Unlike other loans where lenders charge prepayment penalties on payment made towards home loan , there are no prepayment penalties on floating rate home loans .
  • Balance Transfer Facility In case of home loan you have the facility to transfer your home loan to different lender if he is giving you loan at a lower interest rate.
  • Makes it easy to buy dream home For many people buying house with own money is not possible, home loan as it can be repaid in easy monthly installments makes it easier to buy a house.
  • High repayment Tenure Among all types of home loan, It has the longest repayment tenure which goes up to 30 years, so one can reduce the burden of equated monthly installments by extending the tenure. Use our house loan EMI calculator to know how EMI change as you change your home loan tenure
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Frequently Asked Questions

Frequently Asked Question on Home loan

  • For what purposes can I seek a first time home loan?

    You can generally seek a first time home loan for buying a house or a flat, renovation, extension and repairs to your existing house. Most banks have a separate policy for those who are going for a second house. Please remember to seek specific clarifications on the above-mentioned issues from your commercial bank.

  • How will your bank decide your home loan eligibility?

    Your bank will assess your repayment capacity while deciding the home loan eligibility. Repayment capacity is based on your monthly disposable / surplus income, (which in turn is based on factors such as total monthly income / surplus less monthly expenses) and other factors like spouse's income, assets, liabilities, stability of income etc

  • What is an EMI?

    You repay the loan in Equated Monthly Installments (EMIs) comprising both principal and interest. Repayment by way of EMI starts from the month following the month in which you take full disbursement. (For understanding how EMI is calculated, please see annex).

  • What documents are generally sought for a loan approval?

    In addition to all legal documents relating to the house being bought, banks will also ask you to submit Identity and Residence Proof, latest salary slip ( authenticated by the employer and self attested for employees ) and Form 16 ( for business persons/ self-employed ) and last 6 months bank statements / Balance Sheet, as applicable . You also need to submit the completed application form along with your photograph. Loan applications form would give a checklist of documents to be attached with the application.

  • What are the different interest rate options offered by banks?

    Banks generally offer either of the following loan options: Floating Rate Home Loans and Fixed Rate Home Loans. For a Fixed Rate Loan, the rate of interest is fixed either for the entire tenure of the loan or a certain part of the tenure of the loan.

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