credlink

Talk to Us
Loan Starting at 8.50%
5 min Application process
Easy Process and Fast Approval

Home loans to realise your home of dreams

We are a leading lending service provider, specializing in offering tailored home loan solutions to help you turn your dream into a reality

  • EMI starts at ₹ 762/Lakh
  • Loan Tenure Up To 30 Years
  • Processing Fees- Upto 1% Of Loan Amount
  • Pre-pay Charges- Nil (For Floating ROI)
  • Pre-closure Charges- Nil (For Floating ROI)

Why Choose Us ?

Drive Success with Capital solution: Discover the Essential Features for Business Financial Growth.

Solid Network

Partnered with 20+ Banks and NBFCs, providing businesses with a wide range of loans and services.

Experienced team

Capital solution has a team of experienced professionals who can leverage their expertise to help you take the best financial decision for your business.

Faster Approvals

Capital solution’s technologically advanced team and system process the loan faster and help you get the approval at the earliest.

Types of Home Loans

Standard Home Loan

It provides funds to purchase a new residential property or construct a house on an owned plot of land.

Home Improvement Loan

It can be used to enhance the aesthetics, functionality, or structure of the property.

Home Construction Loan

This loan disburses the funds in stages as the construction progresses.

Home Extension Loan

This loan facilitates the cost of extending or expanding your residential property.

Home Loan Balance Transfer

Borrowers who have an existing home loan with one lender may choose to transfer the outstanding balance to another lender offering better interest rates.

Documents Required for Loan Against Property

Type of Proof

Self Employed​​

Identity Proof

  • PAN Card

  • Aadhaar Card

Address Proof

  • Passport

  • Aadhaar Card

  • Voter ID

  • Utility Bill (Electricity/Water/Gas/Telephone) - Not older than 3 months

Income Proof

  • 1. Proof of Income:

  • Latest 3 years Income Tax Returns (ITR) with computation of income, duly certified by a Chartered Accountant (CA)

  • Profit and Loss Account and Balance Sheet for the latest 3 years, audited (if applicable)

  • Business Bank Statements for the last 12 months

Bank Statements

  • SAVING A/C Bank Statements for the last 12 months

  • CURRENT A/C Bank Statements for the last 12 months

Photograph

One passport-size colour photograph

Type of Proof

Salaried employee :

Identity Proof

  • Pan Card

  • Aadhar Card

Address Proof:

  • Passport

  • Voter ID

  • Aadhar Card

  • Utility Bill (Electricity/Water/Gas/Telephone) - Not older than 3 months

Proof of Income

  • Salary Slips: Latest 3 to 6 months' salary slips.

  • Form 16: Latest Form 16 issued by the employer for the previous financial year.

Bank Statements:

  • Salary Account: Bank statements of the salary account for the last 12 months.

Employment Proof:

  • Employment Certificate: A certificate from the employer confirming employment details.

Passport Size Photographs:

  • Recent passport-size photographs of the applicant.

Type of Proof

Property Ownership Documents:

Sale Agreement / Sale Deed:

  • Copy of the registered Sale Agreement or Sale Deed of the property in your name.

Previous Chain of Documents:

  • A clear chain of property ownership documents establishing your title to the property, including sale deeds or conveyance deeds for all previous transactions.

No Objection Certificate (NOC) from Society/Builder:

  • NOC from the housing society or builder, stating that there are no dues pending and no objections to the property's sale.

Property Tax Receipts:

  • Latest property tax receipts for the property under consideration.

Encumbrance Certificate:

  • Encumbrance certificate for the last 30 years from the Sub-Registrar's office, confirming that the property is free from any legal claims or encumbrances.

Self Employed

Your PAN Card is mandatory, and any one of these:

  • Identity Proof
  • Aadhar Card
  • PAN Card
  • Address Proof
  • Aadhar Card
  • Passport
  • Utility Bill (Electricity/Water/Gas/Telephone) - Not older than 3 months
  • Voter ID
  • Proof of Income
  • LaTEST 3 years Income Tax Returns (ITR) with computation of income, duly certified by a Chartered Accountant (CA)
  • Profit and Loss Account and Balance Sheet for the latest 3 years, audited (if applicable)
  • Business Bank Statements for the last 12 months
  • Bank Statements:
  • SAVING A/C Bank Statements for the last 1 YEAR
  • CURRENT A/C Bank Statements for the last 12 months

Note: Make sure all your documents are valid (not past expiry date in case of Driving License and Passport

Salaried employee

Your PAN Card is mandatory, and any one of these:

  • Identity Proof
  • Passport
  • Voter ID
  • Aadhar Card
  • Driving License
  • Address Proof
  • Passport
  • Voter ID
  • Aadhar Card
  • Electricity bill/water bill/ telephone bill
  • Driving License
  • Proof of Income
  • IT Returns and/or Financial Statements of the last 3 years And/or
  • Informal Income Documents
  • Property Documents
  • Title Deeds of the Property
  • Proof of No Encumbrances on the property
  • Other Documents
  • Signed Application Form With Picture
  • Cheque For Processing Fee
  • Bank Statement of Last 6 Months

Note: Make sure all your documents are valid (not past expiry date in case of Driving License and Passport.

Here’s how it works

When you're ready, Loans is ready too - 24 hours a day, 7 days a week.

Apply Online

That is why we have a wide range of you can apply for a Home Loan.

  • 1 Apply Online
  • 2Enter the Desired loan amount
  • 3 Personal details
  • 4 Approval received
  • 5 Application Approval
  • 6 Amount Disbursal

Your Security. Our Priority

We prioritize your security by ensuring that your data is safeguarded with robust encryption, allowing you to have peace of mind.

Please enable JavaScript in your browser to complete this form.

Frequently asked questions

Eligibility criteria typically include factors like age, income, credit score, employment stability, and property value. Specific requirements may vary between lenders.

The loan amount you qualify for depends on your income, creditworthiness, and the lender's policies. A higher income and a good credit score can generally lead to a larger loan amount.

Commonly required documents include identity proof, address proof, income proof, bank statements, property documents, and passport-sized photographs.

Interest rates can fluctuate, so it's best to check with the lender for the most up-to-date rates. Home loan interest rates can fluctuate, variable, or a combination of both.

The approval process can take a few days to a few weeks, depending on factors like documentation, property evaluation, and the lender's efficiency.

Common charges include processing fees, administrative fees, and legal fees. It's essential to get a complete breakdown of all applicable charges from the lender.

Loan repayment is typically done through Equated Monthly Installments (EMIs). Many lenders allow prepayments, but it's essential to understand the terms and conditions.

Yes, loan transfer or refinancing options may be available, providing an opportunity for better interest rates or loan terms.

Yes, in many countries, home loan borrowers can avail of tax benefits on the principal and interest payments as per local tax laws.

Different lenders may have varying policies, but typically, under-construction, ready-to-move, and resale properties are eligible for home loans.

Different lenders may have varying policies, but typically, under-construction, ready-to-move, and resale properties are eligible for home loans.

Some lenders may impose prepayment penalties, while others might allow pre-closure without charges after a certain period. It's essential to check the prepayment terms before taking the loan.

A Lending Service Provider tie-up is an arrangement between a bank and NBFC (Non-Banking Financial Companies) to offer home loan services to customers. The bank or NBFC provides the loan amount to the customer and the lending service provider handles the loan origination, processing and servicing. This arrangement allows customers to access loan products and services from both the bank and the lending service provider.

By ending the service provider tie-up, borrowers will have more options for home loan providers. This will enable borrowers to get better interest rates and repayment terms on their home loans, as well as access to more competitive products. Additionally, borrowers will have more control over the process of obtaining a home loan, as they are no longer bound to the service provider. This can help to reduce the time and costs associated with obtaining a loan, as well as provide greater consumer protection.

  • Home Loan Balance Transfer Facility
  • Multiple Lending Partners
  • Interest Rates Starting @8.50%