🏠 HOME LOAN

Make Your Dream Home a Reality with the Right Home Loan

Flexible Home Finance Solutions | 100+ Banks & NBFCs | Pan India Assistance

Buying or constructing a home is a major financial decision. At DIGILOANS Corporate DSA, we help you explore suitable Home Loan solutions based on your income, credit profile, property, repayment capacity and financial requirements.

Through our network of 100+ Banks & NBFCs, eligible customers can explore multiple lending options with professional assistance throughout the application process.

[ CHECK HOME LOAN ELIGIBILITY ]

Find the Right Home Loan for Your Property

A suitable home loan can help you manage the cost of purchasing or constructing a property while spreading repayment over an appropriate tenure.

We assist customers in exploring financing for:

🏡 Home Purchase

Finance the purchase of an eligible new or resale residential property.

🏗️ Home Construction

Explore funding for construction of a residential house on an eligible plot/property.

🔄 Home Loan Balance Transfer

Existing home-loan borrowers can explore transfer options if another lender offers suitable terms.

➕ Home Loan Top-Up

Eligible existing borrowers may explore additional funding subject to lender policies.

🛠️ Home Improvement

Explore finance for eligible renovation, repair and improvement requirements.

🏢 Select Property Funding

Depending on the lender and product, financing may be available for eligible residential properties and specific property categories.

⭐ Why Choose DIGILOANS Corporate DSA?

One Platform. Multiple Lender Options. Professional Assistance.

100+ Banks & NBFC Network

Access to a broad lender network can help eligible customers explore different financing options.

Profile-Based Guidance

We consider important factors such as income, existing obligations, credit profile and property details.

Pan India Assistance

Our financial assistance is available for customers across India, subject to lender availability and serviceability.

End-to-End Support

We assist with application coordination, documentation and communication with the concerned lender.

Transparent Process

We aim to clearly explain the applicable loan terms, documentation requirements, charges and lender conditions.

Home Loan Eligibility

The basic home loan eligibility criteria are as follows:

Age:

You must be above 21 years of age at the time of the commencing of your loan, and up to 65 years or less at loan maturity
Salaried Person – 21 years to 58 years
Self-Employed Person – 25 years to 65 years

Income

Salaried Person – Minimum Rs. 10,000 per month
Self-Employed Person – Minimum Rs. 2,00,000 per year

Employment

Salaried Person – Minimum 2 to 3 years of Experience in MNC, or a Private or Public Limited Company
Self-Employed Person – Minimum 3 years of Experience in the current field

Credit Score

A credit score of 750 is considered a good score for approval.

💰 Home Loan Interest Rate

Competitive Interest Rates Based on Your Profile

Home Loan interest rates are not identical for every customer. The applicable rate can depend on:

Credit score and repayment history
Monthly/annual income
Employment or business profile
Existing EMIs and financial obligations
Loan amount
Loan tenure
Property type and location
Customer relationship with lender
Lender’s current pricing policy

For applicable floating-rate retail loans, lenders follow the regulatory framework governing external benchmark-linked lending rates. The applicable benchmark and reset mechanism should be checked in the lender’s loan documents.

Important

Do not choose a Home Loan only on the basis of the advertised interest rate. home Loan ROI Start 7% P.A. Onwards @2026

Consider:

Interest Rate + EMI + Processing Fee + Other Charges + Tenure + Reset Terms + Prepayment Conditions + Total Repayment

Documentation for Home Loan

1. Salaried Individuals

Form 16
Employee Identity Card
3 Months Salary Slip
6 Month Bank Account Statement
Duration of Employment Evidence

2. Self-Employed Individuals

PAN
Trade License
Partnership Deed
Article of Association
Memorandum of Association
Import Export Code
SEBI Registration Certificate
ROC Registration Certificate
Financial Statement Audited by CA
Profit & Loss Account Statement
Balance Sheet
6 Months Bank Account Statement
Professional Practice License for Doctors, Consultants, etc
Registration Certificate of Establishment for Shops, Factories, and Other Establishments
Business Address Proof

3. Documents Required from all Non-Resident Indians (NRIs) Applicants

Income Proof Documents for NRI
Property Papers
Property Documents
Sale Deed
Stamped Agreement of Sale
Allotment Letter
No Objection Certificate or NOC
Housing Society
Builder
Possession Certificate
Land Tax Receipt
Construction Cost Estimate
Bank Account Statement of Payment Made to Seller or Builder
Payment Receipt of Payment Made to Seller or Builder
Incase of resale property share certificate is required
Occupancy Certificate

🏠 PROPERTY TYPES

Home Loan financing may be available for eligible:

New Residential Property

Resale Property

Ready-to-Move Property

Under-Construction Property

Self-Construction

Residential Plot + Construction, where offered by the lender

Property eligibility, valuation and legal approval remain subject to the respective lender.

Property Documents

Depending on the property and transaction:

Agreement / Sale documents
Allotment letter
Title documents
Approved building plan, where applicable
Property tax documents, where applicable
Other legal/technical documents required by the lender

HOME LOAN BALANCE TRANSFER

Already paying a Home Loan?

You may explore a Balance Transfer when another lender’s available terms may suit your financial requirements.

Before transferring, compare:

Existing Rate vs New Rate

Outstanding Principal

Remaining Tenure

Processing & Other Charges

Total Interest Cost

Prepayment / Foreclosure Conditions

Net Financial Benefit

A lower advertised rate does not automatically mean a lower overall cos

➕ HOME LOAN TOP-UP

Eligible existing borrowers may be able to obtain additional funding through a Home Loan Top-Up, depending on:

Existing repayment history
Outstanding loan
Property value
Income
Credit profile
Lender policy

Use of funds and applicable terms depend on the lender/product.

🚀 SIMPLE HOME LOAN PROCESS

STEP 1 — Share Your Requirement

Tell us your property, income and required loan amount.

STEP 2 — Initial Profile Assessment

We review basic eligibility parameters.

STEP 3 — Explore Lender Options

Available options can be identified based on your profile and requirement.

STEP 4 — Submit Documents

Provide the documents requested by the concerned lender.

STEP 5 — Credit Assessment

The lender evaluates income, credit history, liabilities and other applicable factors.

STEP 6 — Property Verification

Legal and technical/property valuation checks are conducted as applicable.

STEP 7 — Sanction

If approved, the lender issues the applicable sanction/offer documents.

STEP 8 — Agreement & Disbursement

After completion of required conditions and documentation, disbursement is made according to lender

⚡ WHAT CAN AFFECT HOME LOAN APPROVAL?

Several factors can influence the lender’s decision:

Credit Profile

Repayment history and credit information.

Income Stability

Regular and verifiable income.

Existing Obligations

Current loans and monthly EMIs.

Property Quality

Legal title, valuation, location and lender-approved property criteria.

Documentation

Complete and consistent documentation.

Repayment Capacity

Ability to comfortably service the proposed loan.

🌟 HOME LOAN PLANNING CHECKLIST

Before applying, keep these points ready:

☑ Check your credit profile
☑ Calculate affordable EMI
☑ Estimate your own contribution
☑ Keep income documents ready
☑ Check property documentation
☑ Compare total loan cost
☑ Understand floating/fixed rate terms
☑ Review processing and other charges
☑ Understand prepayment conditions
☑ Read the sanction letter and loan agreement carefully