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Home Loan

If youve Zeroed in your dream home, making that dream into a reality needs the important vitamin M - Money. Not everyone has the financial muscle to be able to put up the entire funding, so a home loan is a necessity to bridge that gap, between what you have and how much the house costs. We help understand the types of loans you get based on a home.
Home Purchase Loan
This is the basic home loan for the purchase of a new home.
Home Improvement Loan
These loans are given for implementing repair works and renovations in a home that has already been purchased by you. External work like structural repairs or waterproofing and internal work like tiling, plumbing, electrical work, painting, flooring, etc. remains to be done even after youve bought the house. This is when a home improvement loan comes in handy.
Home Construction Loan
This loan is available for the construction of a new home.
Home Extension loan
This is given for expanding or extending an existing home. You could avail of this loan if you want to build a floor or expand it but only after you obtain the requisite approvals from the municipal and town authorities.
Home Conversion loan
Simply put, this loan enables you to transfer your current loan (which you took to buy your house) to the new house, thereby providing you with additional finances for the incremental cost of the new house-which means, you can move to your new house without having to pre-pay your existing loan.
Land Purchase Loan
This loan is available for purchase of land for both, construction or investment purposes. If youve opted to invest in land instead of buying a flat in town, you could apply for a land purchase loan. You could later apply for a construction loan separately to build your dream home on the land.
Bridge Loan
Bridge loans are designed for people who wish to sell the existing home and purchase another one. The bridge loans help finance the new home, until a buyer is found for the home. In short, bridge loans are shor-term finance loans that cover the period till you sell off your old house. To elaborate slightly, supposing you plan to buy a new house (which youve already found) and want to sell the one youre currently living but are unable to find a buyer, a bridge loan proves useful. Repayment of a bridge loan can be done through a lump sum or in installments.
These are the different types of home loans. Once you figure out which one is suited for your needs, you can go about applying for the same.
Documents Required

For Salaried :
•    Form 16 ( latest)
•    Photos (3 nos.)
•    Pan card
•    Residence proof
•    Identity proof
•    Last 3 months salary slips
•    Bank statements of 6 months if any existing loan then 12  months required.

NOTE:- Salary should be credited in bank account or should be by cheque only.
For Self Employed
•    Income tax returns for two years and 3rd year Saral form
•    Photos (3 nos.)
•    Pan card copy
•    Residence proof
•    Identity proof
•    Bank statements of six months if existing loan any then 12 months bank statement required.
•    In income tax returns there should be computation of income, profit and loss a/c & balance sheet.
•    Ownership proof of any residence or office like water bill or telephone bill etc.