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Home Loan

What Is A Home Loan?

A home is one of the biggest investments you will make in your life. And, more than that, it is a dream come true for your family and you. We understand what this means to you and our home loans make it as easy and convenient as possible for you to own a home of your choice. With easy digital processes, quick disbursement.

Whether you prefer to apply for a home loan online or offline, our team will provide you with end-to-end, one-stop service for a seamless experience. Be it helping you find the right property or getting the home loan amount you need.

Benefits Of Capital Fintech Home Loan?

You can avail of other tax benefits via a Home Loan, as well. Interest Rate: When compared to the various kinds of loans available, the interest rate on a Home Loan is relatively lower. Plus, in case of a cash crunch, you can also apply for a Top-Up Loan in addition to the existing Home Loan.

Easy Eligibility Criteria

Capital Fintech offers a Home Loan with simple eligibility criteria and minimal documentation. You can apply for the loan and receive a higher amount at a competitive interest rate.

Factor Home Loan Requirements
Age Applicants should be at least 21 years old at the time of loan application and a maximum of 59 years old.
Citizenship Applicants must have Indian citizenship.
Employment Status Salaried/ Self-employed Professional Agriculturists
Work Experience Applicants must have at least 3 year of job experience at the current job.

Documents Required for Home Loan

There is no tedious paperwork involved. While applying for a loan, you need to submit the following documents:

Document Category Home Loan Documents Required
KYC Documents PAN Card/Aadhaar Card/Driving license/Voter ID/Passport
Current Address Proof Passport/ Utility bills/ Rent Agreement
Income Documents Last 6 months' Bank Statements, showing salary credits
Property Documents If already finalised, along with legal & technical clearance of the property

Any Help We’re Always Here

  +91-9118428879

Home Loan Interest Rate and Charges

Capital Fintech have a minimal processing charge any fees from the user. Here is a Our Sample loan calculation for ₹ 1,00,000 borrowed for 1 year, with interest rate @ 6.5% per annum*, is as provided below:

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Processing Fees = ₹ 399/-

Interest = Rs ₹ 6500/-

EMI = ₹ 8875/-

Total amount to be repaid after a year = ₹ 1,065,00/-

Interest Rate varies based on your risk profile The maximum Annual Interest Rate (APR) can go up to 16%

*Notice – Capital Fintech never offers a short terms(period) loan.

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Calculate The EMI

75 Lakhs
0 25 50 75 100 125 150 175 200
12.5 %
5 7.5 10 12.5 15 17.5 20 22.5
28 Years
0 5 10 15 20 25 30 35
  • Monthly EMI

    80,603

  • Total Interest Payable

    1,95,82,769

  • Total Amount Payable

    Principal + Interest

    2,70,82,769

FAQ

Frequently Asked Questions

Home loan interest rates start from 6.50% p.a. The final interest rate at which the bank or HFC will offer a home loan will depend on the applicant’s credit score, loan amount, employment profile, employer’s profile, LTV ratio, etc.

No, you cannot get a home loan for the entire property value as the Reserve Bank of India (RBI) has capped the Loan-to-Value (LTV) ratio of housing loans. As per the RBI guidelines, the LTV ratio can go up to 90% of the property value for loan

Yes, you can get a Home loan online with Capital Fintech.

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+91-9118428879
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