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Home Loan Overview
Owning your dream home is one of life's greatest achievements and a significant milestone of success. At Help Desk Finserve, we understand that buying a home is more than just a financial transaction—it's about creating memories and building your future. With property values rising steadily, making the right financing decision is crucial.
While many banks and financial institutions offer home loans, choosing the right partner makes all the difference. As an RBI-registered IMF, Help Desk Finserve provides transparent home loan solutions with access to multiple bank options, ensuring you get the best terms for your dream home.
"A Home Loan is a secured financing agreement between a borrower and lender that enables individuals to purchase residential properties such as houses, apartments, or any habitable property with flexible repayment options."
Key Features & Benefits:
- High loan amounts up to 90% of property value
- Long repayment tenure up to 30 years
- Competitive interest rates starting from 8.35% p.a.
- Flexible repayment options (Step-up/Step-down EMI)
- Top-up loan facility for home improvement
- Balance transfer options with better rates
- No prepayment or foreclosure charges
- Transparent processing with complete cost clarity
| Sr. No | Eligibility Parameter | Criteria |
|---|---|---|
| 1 | Applicant Age | 21 Years to 60 Years (up to 70 at loan maturity) |
| 2 | Loan Tenure | 60 to 360 Months (5 to 30 Years) |
| 3 | Interest Rate | Starting from 7.5% p.a. |
| 4 | Loan-to-Value Ratio | Up to 90% of property value |
| 5 | Minimum Income | ₹25,000 per month (net) |
| 6 | Prepayment / Foreclosure | No Charges |
| 7 | Processing Fees | As per bank scheme (0.25% - 1% of loan amount) |
| 8 | Property Types | Residential Apartments, Independent Houses, Plots |
Types of Home Loans Available:
- Home Purchase Loan: For buying new or resale properties
- Home Construction Loan: For building your own house
- Home Extension Loan: For expanding existing property
- Home Improvement Loan: For renovation and repairs
- Plot Purchase Loan: For buying residential land
- Balance Transfer Loan: For switching existing home loan
- Top-up Loan: Additional funds against existing home loan
Required Documents for Home Loan
| Sr. No | Documents | For Salaried Individuals | For Self-Employed Individuals |
|---|---|---|---|
| 1 | Photographs | 2 Recent Passport-size photos of Applicant & Co-Applicant | 2 Recent Passport-size photos of Applicant & Co-Applicant |
| 2 | Identity Proof | PAN Card & Aadhaar Card (Mandatory) | PAN Card & Aadhaar Card (Mandatory) |
| 3 | Address Proof | Passport / Electricity Bill / Registered Rent Agreement / Voter ID | Passport / Electricity Bill / Registered Rent Agreement / Voter ID |
| 4 | Income Proof | Last 6 Months Salary Slips | Last 3 Years ITR with Computation |
| 5 | Bank Statements | Salary credited account statements for last 6 months | Last 1 year business and personal account statements |
| 6 | Form 16 / ITR | Last 2 Years Form 16 | Last 3 Years ITR |
| 7 | GST Returns | Not Applicable | Last 2 Years GST Returns |
| 8 | Employment / Business Proof | Appointment Letter / Last Increment Letter / Employee ID | Shop Act License / MOA & AOA / Partnership Deed / MSME Certificate |
| 9 | Property Documents | Sale Agreement, Allotment Letter, NOC from Society | Sale Agreement, Allotment Letter, NOC from Society |
Why Choose Help Desk Finserve for Home Loan?
Led by Mr. Pravesh Sharma (Managing Director) with over 12 years of banking and financial expertise, Help Desk Finserve simplifies your home buying journey. We provide transparent home loan solutions with access to multiple bank options, helping you compare rates, understand all charges, and choose the best financing option for your dream home. Our customer-first approach ensures complete clarity throughout the process.