Home Loan

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

Attractive interest rates

Make your home loan affordable and easier on your pocket every month with attractive home loan interest rates.

Choose your interest rate type

Fixed and floating home loan interest rates available as per your preference.

Transfer loan balance with ease

Transfer your existing home loan, without any hassles.

Doorstep Service

Avail or repay the home loan from the comfort of your home or office.

Quick and transparent processing

Premium banking customers can contact their Relationship Manager for details of special benefits.

Repay your loan over a longer tenure

Repay your home loan in smaller EMIs, over a longer tenure, depending on the situation of your finances.

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

How do Home Loans work?

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.

How to apply for a home loan?

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.

What are different types of home loans?

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.

What are some parameters to decide home loan eligibility?

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

Make your dream of owning a house come true with us.