Get Your Dream Home with Easy Housing Loans!
Competitive Interest Rates
Enjoy low-interest rates that make your EMIs more affordable, ensuring a cost-effective home loan experience.
Hassle-Free Documentation
Simplified paperwork and minimal requirements ensure a smooth and quick loan approval process.
Flexible Tenure Up to 30Yrs
Choose a repayment period that fits your financial plan, with tenures extending up to 30 years.
High Loan Amount Eligibility
Get access to higher loan amounts, making it easier to finance your dream home without financial strain.
Why Choose Our Housing Loans?
Nalwar Marketing Services offers tailored home loan solutions to help you achieve your dream of homeownership with ease. Here’s why our housing loans stand out:
Low Interest Rates – Enjoy competitive interest rates starting from 8.05% for salaried individuals and 8.25% for self-employed, making your EMIs affordable.
✅ Flexible Loan Tenure (Up to 30 Years) – Choose a repayment plan that fits your financial goals, with tenures ranging from 5 to 30 years for maximum flexibility.
✅ Quick Approvals & Disbursals – Experience fast-track processing with minimal delays so you can purchase your home without unnecessary waiting.
✅ Minimum Documentation Required – We simplify the loan process by requiring only essential documents, ensuring a hassle-free application.
✅ Loans for Salaried & Self-Employed Individuals – Whether you are a working professional or a business owner, we have customized loan options to suit your financial profile.
Loan Eligibility Criteria
To qualify for a home loan, you must meet the following conditions:
Age Requirement: Salaried individuals must be between 21-60 years, while self-employed individuals can apply up to 65 years.
Income Criteria: Salaried applicants need a minimum monthly income of ₹25,000, whereas self-employed applicants should have a business turnover of at least ₹3 lakhs per year.
Credit Score: A CIBIL score of 700 or above is preferred for better approval chances and lower interest rates.
Loan Amount: You can apply for a loan between ₹10 lakhs to ₹10 crores if you are salaried and up to ₹50 crores if self-employed.
Interest Rates & Processing Fees
Understanding the costs associated with a home loan is essential:
Salaried Applicants: Interest rates start from 8.05%, with a processing fee between 0.5% – 1% of the loan amount.
Self-Employed Applicants: Interest rates begin at 8.25%, with a processing fee ranging from 1% – 2% of the loan amount.
No Hidden Charges: We ensure complete transparency with no hidden fees or unexpected costs.
Required Documents for a Home Loan
We keep the documentation process simple and hassle-free. Below is a checklist of required documents based on your employment type:
For Salaried Individuals:
Identity Proof (Aadhaar Card, PAN Card, Passport, Voter ID) Address Proof (Electricity Bill, Rental Agreement, Passport) Salary Slips (Last 3 months) Bank Statements (Last 6 months) Form 16 / Income Tax Returns (ITR) Property Documents (Sale Agreement, Title Deed, Encumbrance Certificate)
For Self-Employed Individuals:
Identity & Address Proof (Aadhaar, PAN, Passport, Utility Bills) Business Registration Proof (GST Certificate, Business License) Income Tax Returns (ITR) (Last 2 years) Bank Statements (Last 6-12 months) Balance Sheet & Profit & Loss Statement Property Documents
Eligibility Criteria & Required Documents for Home Loan
What is the minimum salary required for a housing loan?
The minimum salary required is ₹25,000 per month for salaried individuals. However, it may vary depending on the lender’s policies.
Can I get a home loan with a low CIBIL score?
Yes, but if your CIBIL score is below 700, you may face higher interest rates or need a co-applicant to improve approval chances.
How much loan amount can I get for buying a home?
The loan amount depends on your income, repayment capacity, and property value. Typically, lenders provide up to 80%-90% of the property’s value as a loan.
What are the common documents required for a home loan?
Generally, you need ID proof (Aadhaar/PAN), address proof, income proof (salary slips/ITR), bank statements, and property documents for loan approval.
How long does it take to get a home loan approved?
Home loan approval usually takes 5-15 working days, depending on document verification and property evaluation by the lender.