Loan assistance & bank tie-ups for fast, smooth approvals.
Getting a home loan sanctioned shouldn't be the hardest part of buying a home. We work with leading banks and NBFCs to get you fast, hassle-free loan approvals with competitive rates.
Getting started with Home Loan Approval in four simple steps
A quick chat about your income and the property in question.
We check which banks are likely to approve your loan.
We submit the application and follow up on your behalf.
Loan sanctioned and disbursed, keys within reach.
Lenders mainly look at two things when deciding your eligibility: your credit score and your debt-to-income ratio. A CIBIL score of roughly 725 to 750 or higher generally unlocks the best interest rates, while keeping your total EMI obligations under about half of your take-home pay makes a real difference to how much you can borrow.
Loan-to-value limits are tiered by loan size, lenders can typically finance up to around 90% of the property value for smaller loans, tapering down to about 75% for higher loan amounts, so the down payment you need to arrange scales with what you are borrowing.
The path from application to disbursement usually runs through a handful of clear stages: an initial eligibility and KYC check, submission of income and property documents, a legal and technical verification of the property, credit appraisal, sanction letter, and finally disbursement, either as a single payment for a ready home or in stages against construction milestones for an under-construction one.
Quick answers to the questions we hear most often
