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Home loan

At Suyodhan, we make your dream of homeownership a reality by offering flexible and affordable home loan solutions. Whether you’re buying a new home, refinancing, or looking for funds for construction, we have you covered.

Key Features of Home Loans

  • Loan Amount: We offer substantial loans to help you buy or refinance a home, with a down payment required as part of the transaction.
  • Secured Loan: Home loans are secured by the property you're purchasing. In case of non-repayment, the property may be repossessed.
  • Repayment Terms: Flexible repayment options typically ranging from 10 to 30 years.
  • Interest Rates: Choose between fixed or variable interest rates based on your preference.
  • Down Payment: A percentage of the property's value, demonstrating your commitment to the investment.
  • Amortization: Monthly payments that gradually shift from paying interest to paying off the principal.
  • Credit Check: Lenders will assess your creditworthiness to determine loan terms and interest rates.
  • Closing Costs: Additional fees may apply for processing, appraisal, title insurance, etc.
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Documents Required:

  • Salaried Individuals::

    Form 16, 3 months’ salary slips, 6 months' bank statements Employee ID card, Proof of employment duration

  • Self-Employed Individuals::

    PAN card, Trade license, Articles of Association, Business financials (audited by CA) Profit & Loss statement, Bank statements, and Business address proof

  • Employment:

    Salaried: Minimum 2-3 years in an MNC or Private/Public company Self-Employed: Minimum 3 years in the same field

  • NRI Applicants::

    Income proof, Property documents (Sale deed, NOC, Possession certificate) Bank statements, Payment receipts, Construction cost estimate

Home Loan Process:

  • 1. Submit the required documents.
  • 2. Our team will assess your eligibility.
  • 3. Fast approval and disbursement process.

Eligibility Criteria:

  • Age:
    • 21 years and above at loan commencement; 65 years or less at loan maturity.
    • Salaried: 21 to 58 years
    • Self-Employed: 21 to 65 years
  • Income:
    • Salaried: Minimum ₹10,000/month
    • Self-Employed: Minimum ₹2,00,000/year
  • Employment:
    • Salaried: Minimum 2-3 years in an MNC or Private/Public company
    • Self-Employed: Minimum 3 years in the same field
  • Credit Score: A score of 650 and above is preferred for approval.
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