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Home Loan

There’s no place like home, but when you are running a business it sometimes becomes difficult to allocate the funds for your own home. Capital First’s easy Home Loans can help you fulfil your dream. With loans up to 80% of your mortgage value, minimal documentation requirements, short processing time and repayment being permitted up to 70 years of age – what are you waiting for?

 

Features And Benefits

Key Features

Features:

  • Loan upto 80% of MV
  • Repayment permitted upto 70 years of age
  • Simplified documentation
  • Sanction approval without having selected a property
  • Insurance options for your Home Loan at attractive premium
  • Faster processing

Benefits:

  • Part prepayment options
  • Interest is calculated on monthly rest

 

Eligibility

Key Features

Home Loans can be availed by Resident Indian whether salaried or self-employed. The following are the eligibility norms:

  • You must be at least 21 years of age when the loan is sanctioned.
  • The loan must terminate before or when you turn 70 years of age or before retirement, whichever is earlier.
  • You must be employed or self-employed with a regular source of income.

Documentation

Key Features

We require the following documents to sanction your Home Loan:

  • Duly Completed Application Form.
  • Photograph
  • Fee cheque
  • Photo Identity Proof
  • Signature Verification Proof
  • Residence Address Proof
  • Property documents as required




Documents specific for the Salaried

  • Last 3 months’ salary slips
  • Form 16
  • Bank Statement for last 6 months from salary account
  • Repayment details on any existing loans or loan closure letter



Documents specific for the Self-Employed

  • Income Tax Return / Computation of Total Income / Auditors Report / Balance Sheet / Profit & Loss Account certified by Chartered Accountant for last 2 years (3 years for Home Equity) (both for business and personal of partners/directors)
  • Bank Statement for last 6 months from operating account
  • Repayment details on existing loans or loan closure letter
  • Board Resolution in case of a company
  • Proof of existence of the business entity
  • Proof of Office Address
  • Photo Identity Proof, Residence Address Proof, Signature Verification must be provided for all the main partners / directors.

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