Home Loan
Home Loan
Ezmy Loans will assist you in discovering the best affordable housing loan offer for up to 10 crores, as well as obtaining in-principle approval within minutes. We provide you with the ease of selecting the best home equity loan for you from 20+ private industry, government sector, and Non - banking finance companies, using a comprehensively processing system that is merged with regulatory agencies for different purposes such as data retrieving, verification, and so on.
Why choose us:
- The most diverse range of deals from over 21 banks/NBFCs
- The quickest response time
- Direct Deposit to Applicant's Account
- It saves you both time and money.
- Data Safety and Security
Home Loan Eligibility Criteria:
For Salaried
- Nationality - Resident of India
- Age – 23 to 62 Years
- Work Experience / Business Continuity – At least 3 years of Corporate experience
For Self Employed
- Nationality - Resident of India
- Age – 23 to 70 Years
- Work Experience / Business Continuity – 5 years of running a business successfully
Documents Required for Home Loan:
- PAN Card, Aadhaar Card, Driving License, and Voter ID are all acceptable forms of identification.
- Electricity/Water Bill/Phone Bill, Valid Passport, Aadhaar Card, Driving Licence, Voter ID
- Income Documentation:
- Applicant/Co-applicant Who Is Self-Employed: Income Tax Returns for the Previous Three Years, Qualification Certificates for Doctors, CAs, and Other Professionals, Certified CA audited balance sheet, profit and loss statement for the previous three years, business license details with address proof, and TDS certificate
- An applicant with Salary/Co-Applicant: Salary slips for the last three months, a copy of Form 16 or an Income Tax Return (ITR) for the previous two years
- Other documents: Form-16 or your most recent pay stub, last three months’ Bank statements, and property papers
1. What exactly is a co-applicant?
A co-applicant is someone who appears to apply for a loan with the main borrower and is evenly responsible for paying off the loan. A co-applicant can be a borrower's blood relative, close family member, or partner.
2. Is it necessary to include a co-applicant?
No, adding a co-applicant is not required to obtain in-principle approval for a home loan. Adding a co-applicant, on the other hand, may increase the likelihood of receiving higher loan eligibility. For a home loan, you can add up to three co-applicants.
3. What if I don't have an income tax return or banking information?
If the lender has not submitted an ITR because his or her income is less than the filing threshold, the lender can provide income by self-declaring. If the lender doesn't even have a basic bank statement for the previous six months, the services will be revoked.
