Make Your Dream Home a Reality with Paisa Loans
Buying a home is a significant milestone, but securing the right loan can be challenging. This is where Paisa Loans steps in to support you. Our home loan solutions are designed to help you overcome financial constraints and turn your dream of owning a home into reality. Let us assist you with seamless financing, competitive interest rates, and flexible repayment options.
Paisa Loans Home Loan Features
✅ High Loan Amount
Get home loans up to ₹5 crores to purchase, construct, or renovate your dream home.
✅ Attractive Interest Rates
Enjoy competitive interest rates with flexible repayment options.
✅ Flexible Tenure
Repay your loan conveniently over a period of up to 30 years.
✅ Quick Approval & Hassle-Free Process
Get fast approvals with minimal paperwork and easy documentation.
✅ Balance Transfer Facility
Transfer your existing home loan to Paisa Loans at lower interest rates and save on EMIs.
✅ Top-Up Loan Option
Need extra funds? Avail of a top-up loan over your existing home loan for personal or home improvement needs.
✅ Tax Benefits
Enjoy tax deductions on home loan principal and interest repayments as per applicable laws.
🏡 Make your dream home a reality with Paisa Loans – Apply Today! 🚀
Paisa Loans Home Loan Eligibility
To apply for a Home Loan with Paisa Loans, you must meet the following criteria:
✅ Eligible Applicants
✔ Salaried individuals (working in government, private, or multinational companies)
✔ Self-employed individuals (business owners, professionals, and entrepreneurs)
✅ Age Criteria
✔ Salaried: 21 to 60 years (at loan maturity)
✔ Self-employed: 21 to 65 years (at loan maturity)
✅ Income Criteria
✔ Minimum ₹25,000 per month for salaried individuals
✔ Minimum ₹3 lakhs annual income for self-employed individuals
✅ Employment/Business Stability
✔ Salaried: Minimum 1 year of continuous employment
✔ Self-employed: Minimum 3 years in current business
✅ Credit Score
✔ A good credit score (750 or above) improves your loan approval chances
✅ Property Eligibility
✔ The property must be approved by local authorities and meet the legal & technical requirements
📢 Turn your dream home into reality with Paisa Loans – Apply Today! 🏡🚀
Paisa Loans Home Loan Fees & Charges
✅ Transparent & Competitive Charges for a Hassle-Free Experience
| Fee Type | Charges |
|---|---|
| Interest Rate | Starting from 8.50% per annum (subject to eligibility) |
| Loan Processing Fees | Up to 1% of the loan amount or ₹10,000 (whichever is higher) |
| Prepayment Charges | Nil for floating interest rate loans taken by individuals |
| Loan Tenure | Up to 30 years |
| EMI Bounce Charges | ₹500 per bounce |
| Penal Interest for Late Payment | 2% per month on the overdue amount |
| Legal & Technical Charges | As per actuals |
| Stamp Duty & Statutory Charges | As per applicable state laws |
🔹 Enjoy Low Processing Fees & No Hidden Charges!
🔹 Save More with Nil Prepayment Charges on Floating Rate Loans!
🏡 Apply for a Paisa Loans Home Loan Today & Make Your Dream Home a Reality! 🚀
Paisa Loans Home Loan Documentation
To apply for a Home Loan, you need to submit the following documents:
✅ Identity Proof (Any one of the following)
✔ Aadhaar Card
✔ Passport
✔ Voter ID Card
✔ PAN Card
✔ Driving License
✅ Address Proof (Any one of the following)
✔ Aadhaar Card
✔ Passport
✔ Voter ID Card
✔ Driving License
✔ Utility Bill (Electricity/Water/Gas – not older than 3 months)
✅ Income Proof
📌 For Salaried Individuals
✔ Last 3 months’ salary slips
✔ Latest Form 16 or Income Tax Return (ITR)
✔ Bank statement for the last 6 months (showing salary credit)
📌 For Self-Employed Individuals
✔ Income Tax Returns (ITR) for the last 2 years
✔ Profit & Loss Account and Balance Sheet (CA certified)
✔ Bank statement for the last 6 months
✅ Property Documents
✔ Sale Agreement/Allotment Letter
✔ Property Title Deeds (in case of resale property)
✔ Approved Building Plan & Property Tax Receipts
✅ Other Mandatory Documents
✔ Business Registration Proof (for self-employed applicants)
✔ Partnership Deed / Memorandum & Articles of Association (if applicable)
📢 Minimal paperwork, quick approvals! Apply for a Paisa Loans Home Loan today and move into your dream home hassle-free. 🏡🚀
Have any Questions? Call us Today!
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Brochures
Download our brochures for detailed information on our loan offerings.