Home has a special place in our lives. We create memories that last a lifetime. Every nook and corner harbors stories that make our home uniquely ours. Each one of us, therefore, deserves a home that reflects our dreams and our ambitions for ourselves and for our loved ones.

Before you start the home loan process, determine your total eligibility, which will mainly depend on your repaying capacity. Your 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, the stability of income etc.

Home Finance, therefore, is a vital step towards realizing this dream. Our team will work with you to customize a solution that is just right for your need. Whether it is financing a new home, home extension, home improvement, home construction or even purchasing a plot of land before building your home.

Banking can often be a confusing world for the uninitiated but a loan against property is one of the simpler aspects of banking. It is precisely what the name implies a loan which can be availed by keeping a property as security. Banks and financial institutions offer this loan against a property, which can either be a residential/commercial building or a piece of land. The loan can be availed by mortgaging the property with the bank. The loan amount depends on the type of property and in most cases the market value of the property is considered before disbursing the loan, generally commanding about 40% to 60% of the actual market value.