Home Loan

Home Loan Guide

Home loan is a secured loan which is given by bank with some interest rates for personal or commercial properties. The main condition of borrowing home loan is the concern person must be ownership against property/security intended. Because, if the loan borrower left to pay back to the loan means bankers will retrieve balance amount by selling that property.

Types of Best Home Loans

The bank will provide various types of best home loans as per customer needs. They are,

  • Home purchase loan
  • Home construction loan
  • Home improvement loan
  • Home Extension loan
  • Home conversion loan
  • Land purchase loan

Needed Documents

All banks are required similar documents for considering your home loan application

  • Proof of your age
  • Proof of living address
  • Income Proof of the applicant & co-applicant
  • Bank Account statement for last 6 months
  • Passport size photo of the applicant & co-applicant

Salaried employees

  • Employment certificate
  • Pay slip copies and TDS certificate
  • Recent Form 16 issued documents

Self employed

  • Audited financial statements for the last 2 years
  • Partnership deeds ( if it is a partnership business)
  • Last few years’ of profit and loss documents
  • Income tax assessment order

Wish you all the best!!

32 Replies to “Home Loan”

  1. we are interested to procure a residential land at near anandpuram tagarpuvlas from subhagruha venter
    i am working with MSP STEEL & POWER LTD. RAIGARH CHHATTISGARH STATE MY GROSS SALARY 40,000 THOUSAND PER MONTH

    PL SUGGEST PROCEDURE OF HOME LOAN

    BEST REGARD

    S.B.ISHWAR RAO
    09752596409

  2. I HAVE NRE ACCOUNT WITH YOUR BANK AND INTERESTED IN HOME DEVELOPMENT LOAN.

    A/C NO–31949100246
    CUSTOMER ID NO–86143546479

    REQUIRMENT OF 50LACK RUPEES.

    PLS GIVE DETAILS.

    RGDS,

    RIZWAN

  3. To
    AGM RACPC , SBI, New Delhi.

    Sir/Mam
    I had applied for a home loan in your branch on 24, September 2011, for purchase a flat in IRWO New Delhi in Kundli sonepat project. but I have not received any call or response against sanction of my loan.
    Please tell me the status of my file.
    Thanking You.

    With regards

    Rishi Raj
    88/7, Bhim nagar, Sarang Road, Sonepat (haryana)
    Ph 09968825677, 09416564731,0124-2818582

  4. we are interested to concatenation new home near your bank byalahally
    i am working with Xindia steels limited koppal dist karanataka my gross salary 10.000 Ten thousand per month

    BEST REGARD

    DAYANANDA BR
    XINDIA STEELS LIMITED
    KOPPAL DIST
    MOB NO: 9686076492

  5. I am Navin Thapa. Railway Employee, working in DHR Section ie Darjeeling Himalaya Railway,PO Tindharia, 734223, Kurseong Sub Divison. PS: Kurseong, Dixt: Darjeeling, West Bengal. Actually, I am residing at SILIGURI West Bengal wants to know How & What the process to purchase Home (Two Stored
    Building) at Hyderpara Anchal, Siliguri. which is my sister’s home.Who want’s to sell it now, Infact the land was(before construction two stored building) in our’s Name ie My mother & my self. which we gifted to my unmarried sister, and she made two stored building after few years.But now she is going at abord and she need a cash,Infact, she wants to sell her building to us.(My self & my mum). But we dont have a such amount to buy above said building, what & how to process to get home loans from SBI/Siliguri branch.Please give me some idea & your sugession to me that how i can apply the home loans from SBI.

  6. Pl let me know that is sbi provide loan for land purchase and its consider as home loan. Is this land purchase loan be helpful for tax purpose.

  7. please give me details for home loan to purchase a flat at cochin. please e-mail details.
    Thanks.

  8. Loan Amount Required : 2 lakh
    Service : Indian Ordnance Factory
    Net Salary : 17000 per month
    Mobile No : 9011001320
    City : Bhusawal (m/s)

  9. sir,
    i am working as a staff nurse in abroad.i wish to apply for home loan. please give the requirments and details about that,regarding rate of interest.duration etc
    thanks gigi george

  10. Dear Sir,
    Recently approached SBI,Chawngte Branch, Mizoram for car Loan but simply denied by the manager without giving any reasons though I am a Govt. employee serving since 2002 under the Directorate of Higher Education as Head Assistant. Kindly help me

    Soma Chakma

  11. RAJESH KUMAR 22 JUNE 2012

    SIR,
    MY GROSS INCOME IS 28000.TAKEN PERSONAL LOAN 450000 IN MAY 2012.WANT TO PURCHASE A FLATE WORTH 900000. WHAT AMOUNT OF LOAN I WILL GET.(TEACHER IN KENDRIYA VIDYALAYA)
    AT-BAIKATPUR,PARAIYA,GAYA, BIHAR,MOB NO 8011393837.

  12. I want home loan Rs.14 Lac.for 15 years,what is the EMI AND What is the interest rate? I am a Govt. teacher,,my net pay is Rs. 30,000 per month I leave Rani,Pali, Raj.my date of birth is 15 July 1975. please tell me what will the EMI for 15 years & for 20 years of Rs.14 lac. mob no. 9829864782

  13. Sir,
    I , am central govt employ serving in Indian Army in EME (Electronics Mechanical Engineering) . At present I am serving in MCEME ( Miltary College of electronics and mechanical engineering) in secunderbad. My monthly salary is Thirty thousand only(30000) , I need a home loan of Ten lakh (1000000) for construction of new house in KGF ( Kolar gold Fields) . Please give me the details & how much time it will take to get the amount after submitting all the formalities.

  14. Hi Sir,
    I have myself plot of 1 knl at panchrukhi distt kangra(H.P) need a home loan of Rs. four lacs for construction.So please give me the details & how much time it will take to get the amount after submitting all the formalities.I am working with a reputed firm in Chandigarh as a Manager-Dispatch and my monthly salary is fifteen thousand only.

    Best Reg.
    Subhash Chand
    Cont. No 09872673943
    subhash.dogra7@gmail.com

  15. I want home loan for 5 lakhs. I am working in hotel for reception list. My income is 10,000/- . my mobile no: 9840876143. please give the requirments and details about that, regarding rate of interest.duration etc

    thanks you,

    by
    kumari

  16. Namaste Sir,
    Mujhe House Loan Chahiye, Mera 2 (Two ) account apki bank me hey NRE & Savings. Me last 10 years se GULF me kam kar rahahu, meri Basic salary 350/- OMR + Accomodation & Food free hey, monthly saving mera Indian Rs. 50,000/-, hay. Me Salalah-OMAN me kam karta hu mera BANK OF BARODA – SALALAH Branch me account bhi hey – Account No. 9013010 0004801
    STATE BANK OF INDIA ACCOUNT DETAILS
    Name : Malam Gopal Vasaram
    Account No. : (1). Savings Account No. 31102595048, (2). NRE Account No. 30519015336
    Me hal me OMAN hu aur saving a/c me joint family name ( Meetal Gopal Malam ) hey to me OMAN raheke meri wife loan le sakti he ki nahi aur mujhe pura details mail kare aisi meri apse prathna.
    Loan Requirement : 4 Lakh Indian Rs.
    Salalah-OMAN Contact No. 00968 98528876 & 00968 9981 9700 ,

  17. i am a state govt. employee of KMDA. i joined service on 18 th july,2012. so i am now under provisional period.but i passed type test which is the main criteria for being permanent. so please inform me, am i eligible for home lone??????????

    thanks,
    Subhamay Datta
    8013075704

  18. I want home Contraction loan for 2 lakhs. I am working in Surat. My income is 10,000/- . my mobile no: 9898190707. please give the requirments and details about that, regarding rate of interest.duration etc

  19. I AM SALARIED PERSON .
    I WANT TAKE HOME LOAN
    I HAVE 33*40 PLOT BUT HAVE NOT RESISTERED YET
    PLEASE GIVE ME SUGESTION FOR HOME LOAN.

  20. I have in my name a land in tirupathur,dindukal road, sivaganga district interested to construct a building in the said land
    i am working as a Govt Service with Andaman and Nicobar Administration, Secretariat, Port Blair MY GROSS SALARY 30,000 THOUSAND PER MONTH net pay is 20,000/- My Home town declared in my service book in Thirukalambur village, Melasivapuri viz Pudukkottai Dist, Tamil Nadu.

    MOBILE NO. 09434278560
    PL SUGGEST PROCEDURE OF HOME LOAN

    BEST REGARD

  21. Sir/Madam, 18 June 2013
    Respectfully we beg to state that, we belong to Kharsawan, Beherasahi and we want Home Loan for to
    construct our house. Please do the needful. My property is in my name only. We have an account
    saving account in your esteem branch 14357 as Either and Survivor Account.

    Please advise how we can get loan from your branch at Kharsawan – 14357.
    Thanking you
    SUBIKASH C MISHRA/BINAYINI MISHRA : Beherasahi, Kharsawan Garh, Kharsawan – 833 216.
    Email: we5mishras@yahoo.com Phone nos. 094446 47208, 094456 31788.

  22. Sir,
    I taken home loan at SBH Yalal,Ranga Reddy Dist in 2005, Rs 425000/-,for 15 years,EMI Paying regularly,Now I want to additional loan on the same house.Do you give suggetion

  23. Sir, i m govt employee. Want to take hom loan for purchase of land at bhalgarh in sonepat. Plz sugest me bank name and other details.
    Thanks

  24. I AM SALARIED PERSON .
    I WANT TAKE HOME LOAN
    Net Salary : 25000 – 27000 per month

    Mobile: 8010509239

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