Make Your Dream Home a Reality
Buying a home is one of the biggest and most beautiful milestones in life. Whether you are purchasing your first house, building your dream home, or renovating your existing one, a Adani Finserve Home Loan helps you turn your dream into reality without financial stress.
A home loan provides the required funds so you can own your home today and repay it comfortably over time through easy EMIs.
Benefits of a Home Loan: Affordable Monthly EMIs
Home loans are offered with long repayment tenures, making EMIs manageable for every income group.
Attractive Interest Rates:Compared to other loans, home loans usually have lower interest rates, making them cost-effective.
Tax Benefits:Borrowers can enjoy tax deductions on both principal and interest payments under applicable income tax laws.
High Loan Amount:Home loans provide higher funding, helping you buy or construct a home without compromise.
Flexible Repayment Options:You can choose repayment tenure as per your financial comfort.
Eligibility Criteria for Home Loan: To apply for a home loan, applicants generally need to meet these basic conditions,
Age Requirement :Minimum: 21 years Maximum: Up to 60–65 years (at loan maturity)
Employment Status: Salaried individuals,Self-employed professionals Business owners.
Income Stability:A steady and sufficient monthly income is essential to repay EMIs smoothly.
Credit Score:A good credit score (usually 750 or above) improves loan approval chances and interest rates.
Work Experience: Salaried: Minimum 1–2 years of job experience Self-employed: Minimum 2–3 years of business stability.
Documents Required for Home Loan
Here is a list of commonly required documents:
Identity Proof:Aadhaar Card, PAN Card, Passport,Voter ID / Driving License
Address Proof:Utility Bills (Electricity/Water),Rental Agreement Passport
Income Proof:For Salaried Individuals:Last 3–6 months salary slips,Bank statement (last 6 months),Form 16 / Income Tax Returns,For Self-Employed Individuals:Business proof,Income Tax Returns (last 2–3 years),Profit & Loss statement,Bank statement (last 6–12 months)
Property Documents:Sale Agreement,Property Title Deed,Approved Building Plan,Allotment Letter (if applicable),NOC from builder/society
Photographs:Recent passport-size photos.