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🏠 Home Loan

# Home Loan

New purchase, construction or renovation — best rates guaranteed across 20+ banks.

📈 From 8.40% P.A.
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## About Home Loan

A Home Loan from Best Financial Services opens the door to your dream home. Whether you are buying a new flat, constructing on your own plot, purchasing a resale property, or renovating your existing home — we arrange the right financing from our network of 20+ leading banks and NBFCs in Maharashtra.

We don't just submit your application — we analyse your income, CIBIL score, and property details to match you with the exact bank that will offer you the best rate and highest eligibility. Our team handles all documentation, bank follow-ups, and legal verification coordination so you can focus on finding your perfect home.

## Types of Home Loans We Arrange

- Purchase Loan — Buy a new flat, independent house, or villa from a builder or in the resale market
- Construction Loan — Build your home on your own plot with phased disbursement as construction progresses
- Home Renovation Loan — Upgrade, extend, or refurbish your existing home at low interest rates
- Plot + Construction Loan — Combined loan to buy a plot and construct your home on it
- Balance Transfer — Move your existing home loan to a bank with a lower rate and save on interest
- Top-Up Loan — Get additional funds on your existing home loan for any purpose

## Key Features & Benefits

- Loan amounts from ₹5 Lakh to ₹5 Crore+ depending on income and property
- Repayment tenure up to 30 years — the longest available — for minimal EMI burden
- Up to 90% of property value financed (based on property cost and income)
- Available for salaried employees, self-employed professionals, and business owners
- Joint home loans available — combine income with spouse or co-applicant
- Pre-approved offers from select banks for faster processing
- Tax deduction on interest (Section 24b) and principal (Section 80C) available
- Insurance options integrated with loan for protection of your home and family

#### 💡 Interest Rate Guide

Bank/NBFC | Interest Rate | Processing Fee
--- | --- | ---
SBI | 8.40% – 9.85% p.a. | Nil to 0.35%
HDFC Bank | 8.50% – 9.90% p.a. | Up to 0.5%
ICICI Bank | 8.75% – 10.05% p.a. | Up to 0.5%
Axis Bank | 8.75% – 10.30% p.a. | Up to 1%
LIC HFL | 8.50% – 10.00% p.a. | Up to 0.25%

*Rates are indicative and subject to change. Actual rate depends on credit profile, income, and bank policy.

## Eligibility Criteria

##### Salaried Applicants

- Age: 21–60 years
- Minimum income: ₹20,000/month
- Employment: 2+ years in current job
- CIBIL Score: 700+

##### Self-Employed / Business

- Age: 21–65 years
- Business vintage: 3+ years
- Stable income proof via ITR
- CIBIL Score: 700+

## Documents Required

Aadhar Card & PAN Card
Salary Slips (last 3 months)
Form 16 / ITR (last 2 years)
Bank Statements (last 6 months)
Property Sale Agreement
Property Title / Index-II
Employer Letter / Business Proof
Passport-size Photographs

## Frequently Asked Questions

You can generally get up to 80–90% of the property value (subject to income eligibility). Your loan amount depends on your monthly income, existing obligations, credit score, and the bank's policy. Use our free consultation to get an exact eligibility estimate.
Through Best Financial Services, eligible applicants receive in-principle approval within 24–48 hours and final sanction within 5–7 working days. The property legal verification is typically completed within 3–5 days thereafter.
Yes. If you have an existing home loan at a higher rate, we can arrange a Balance Transfer to a bank offering a lower rate. This can significantly reduce your EMI and total interest paid over the loan tenure.
Most banks offer home loan tenure up to 30 years for salaried applicants. Self-employed applicants typically get up to 25 years. Longer tenure means smaller EMI but higher total interest outgo.

#### 🏆 Why Choose Us for Your Home Loan?

We have helped 1000+ families in Amravati and Vidarbha own their dream homes. Our zero-fee advisory service, bank network, and documentation support saves you time, money and stress. Call us today for a free, no-obligation consultation.

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