Loan to buy, build or renovate
a residential property
Premium Personal Finance
Home Loan
Quick Reference for Your Business
Buying / Building a Home - everything you need to know about Home Loan.
01
What It Is / When Needed
Secured against the property
Long tenure, lower interest than unsecured loans
Tax benefits
on principal (80C) and interest (24b) under the old regime
Lender funds a percentage
of value; you pay the margin (down payment)
02
Documents Required
KYC
PAN, Aadhaar, photographs
Income proof
Salary slips / ITRs / financials
Bank statements
6-12 months
Property documents
Agreement, title, approvals
Existing loan / obligation details
For assessment
03
Key Facts
| Point | Details |
|---|---|
| Security | The property being financed |
| Tenure | Long (often up to 20-30 years) |
| Tax benefit | 80C (principal) + Sec 24(b) (interest), old regime |
| Eligibility | Income, credit score, property value and age |
Note: A home loan is usually the cheapest large loan you will take - and it carries tax benefits under the old regime. Eligibility depends on income, credit score and the property. We help you structure income proof and pick the right tenure and EMI.
04
Why Clients Trust Filings Hub
A real, qualified Chartered Accountant
Not an agent - a CA who organises your documents and optimises the tax benefit on your home loan.
Bankable, honest numbers
Project reports and CMA data built on realistic figures lenders trust - not inflated projections.
The right scheme & lender
We match you to the correct scheme and lender so you do not waste time on rejections.
Clear updates in your language
Simple updates in Telugu and English - you always know where things stand.
End-to-end support
From documentation to sanction and post-loan compliance.