House Property Loan

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Attractive Interest rate
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Customise loan
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House Property Loan


Fill The Loan Application Form & Attach The Documents


Pay The Processing Fee


Discussion With The Bank


Valuation Of The Documents


The Sanction/Approval Process


A home loan must be taken for the purchase/construction of a house. If it is taken for con instruction of house, then it must be completed within five years from the end of the financial year in which the loan was taken.



Salary Certificate (original) from employer. 

Form 16/IT Returns for the past 2 financial years


Self employment

·           IT Returns/Assessment Orders copies of the last 3 years. 

·           Challans as proof of Advance Income Tax payment. 

·            Proof of business address for non-salaried individuals. 

·            IT returns/Assessment Orders copies of the last 3 years.

Basic Features of House Property Loan

Lock-in of funds

Purchasing a property is a huge investment; one in which you end up locking-in a huge sum of money. Experts believe that even if you have the sums to purchase the property in one go, it is better to take a home loan. 

Extra money always comes in handy

Whether you decide to take home loan or pay cash, you must remember to have some cash available for financial emergencies. A financial emergency can crop up any-time.

Taking a loan can improve your credit worthiness

A loan can help with building as well as improving your credit scores. Each time you pay off your loan EMI on time, your credit scores begin to improve. This further works in your favour when you need to take on a loan in future, including credit card applications.

You can consider better property options

When you choose to pay money upfront for a property, you generally have to stick to the budget you have on hand. As a result, you may end up compromising on your dream house. . Instead, it is better to make a home loan cash down payment. 

Tax benefits

Another point of debate between home loan vs cash payment is tax benefits. If you are repaying a home loan, you become eligible for deductions of up-to 150,000 per annum on the principal loan repayment amount as per Section 80C of the Income tax Act. 

Final thoughts

A home loan is the cheapest kind of debt in India. Banks and HFCs offer very attractive home loan interest rates, with tenure lasting up to 30 years. When you are confused whether to take home loan or pay cash in India, remember the above mentioned points and take an informed decision.

Important Notes

Salaried individuals eligible for home loan

Individuals in permanent service in the Government or reputed companies fall under the home loan eligibility criteria.

Applicants should be above 21 years of age at the time of loan commencement and up to the age of 60 or superannuation, whichever is earlier at the time of loan maturity. You can check the amount you need to pay as EMI with the Home Loan EMI Calculator.

Professionals eligible for home loan

Professionals (i.e., doctors, engineers, dentists, architects, chartered accountants, cost accountants, company secretary, and management consultants only) meet the Axis Bank Home Loan eligibility criteria.

Applicants above 21 years of age at the time of home loan commencement and up to 65 years or less at the time of home loan maturity meet our home loan eligibility criteria.

Self-employed individuals eligible for home loan

Any individual filing income tax returns can apply

Applicants should be above 21 years of age at the time of the commencement of the home loan and up to 65 years or less at the time of maturity of the home loan

Determine your loan eligibility using our Home Loan Eligibility Calculator here

Home Loan Borrowing Limits

Minimum - Rs. 3 lakhs