Home Loan is a one-stop solution for all your housing loan needs. Whether you’re looking to buy or build your first home or simply want to renovate your current home, this feature-rich home loan serves as the perfect partner. For simple repayment, it incorporates a long residency that normally stretches along as 30 years. Bitola Capital helps our customers in connecting with Home Loan Provider companies which provides with a host of benefits such as smaller EMIs where you can space out your payment over a longer tenure, attractive interest rates, an easy application process, etc. It comes with a host of profits, which includes balance transfer facility, top-up loan, flexible repayment alternatives and fast endorsements.
Features and Benefits
Eligibility Criteria for Home Loan (Salaried)
- PAN CARD
- ADHAR CARD
- ADDRESS PROOF
- 3 MONTH SALARY SLIP
- LAST 6 MONTH BANK STATEMENT
- 2 YEARS FORM 16
- OFFICE ID CARD
- PHOTO
- PROPERTY PAPER/ALLOTMENT LATTER COPY
Eligibility Criteria for Home Loan (Self Employed)
- PAN CARD
- ADHAR CARD
- ADDRESS PROOF
- 3 YEAR ITR WITH FINANCIAL
- LAST 1 YEARS BANK STATEMENT OF ALL ACCOUNT
- GST REGISTRATION
- GST RETURN LAST 1YEAR 3B GSTR
- 3 YEAR OLD BUSINESS PROOF REQ
- OWNERSHIP PROOF REQ
- PHOTO
- NOMINI PAN CARD, ADHAR CARD, PHOTO REQ
- PROPERTY PAPER /ALLOTMENT LATTER COPY
FAQ's
Home loans help you with a lump-sum advance of funds towards buying your desired property, this amount will be repayable with interest. However you can re-pay the amount advanced via EMIs (Equated Monthly Installments), thus enabling you to approach realizing your home dream in a convenient and structured way.
Home loan applications generally follow a process such as:
Application: You will need to apply for a home loan, this can be done online or at bank branches/loan centres.
Loan Sanction: Post submission of your application and review of necessary KYC and documents of financial stability, the bank shall sanction your loan amount.
Review: Once the loan is sanctioned, you will need to submit the documents pertaining to the property against which your loan is sought, for technical and legal review.
Approval &; Disbursal: Upon validation of your loan amount and the property sought, the bank shall approve and disburse your loan.
We provides a selection of Home loans designed to meet every client’s investment patterns. In addition to advancing loans for constructions of property, purchase of constructed residences and loan for top-ups for existing loans and redevelopment etc., our variants also include options for repayment and subsidy benefits.
There are multiple factors to determine home loan eligibility, including but not restricted to:
- The Income of all applicants
- Age of the primary applicant
- Number of dependents that the applicants support
- Assets and liabilities of the applicants
- Stability and continuity of the primary applicant’s occupation