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Buying or selling a property? Reach out anytime - we’re here to assist.
Overview & Insights
WHAT IS A HOME LOAN?
A home loan is a secured financing option offered by banks and NBFCs (Non-Banking Financial Companies) to purchase, construct, or renovate residential property.
Borrowers repay the principal along with interest (fixed or floating) through monthly EMIs (Equated Monthly Installments) over tenures up to 30 years, with tax benefits available under the Income Tax Act.
Core Deliverables
SIMPLIFY YOUR LOAN JOURNEY
Expert mortgage advice, lowest rates & doorstep loan approval.
30+ Bank tie-ups
Compare Loan Eligibility
Simplify your loan journey by comparing across 30+ authorized banks
Lowest Rates
Guaranteed lowest rates
Search Homes India negotiates the lowest interest rates and processing fees for the customers.
24-48 Hours
Approval in 24-48 hours
Receive your pre-approval letters in just 24-48 business hours.
Doorstep Pickup
Document collection at your doorstep
Our verified manager will be available at your doorstep for collection, verification, and submission of all the required documents.
EMI Savings
Maximise EMI Savings
Switch your existing high-EMI home loans to lower interest rates with optional top-up funds.
Evaluation Factors
HOME LOAN ELIGIBILITY CRITERIA IN INDIA
Mostly, the banks evaluate the borrowers based on:
Age
21 to 70 years old at loan maturity.
Income
Minimum ₹25,000 per month.
Employment
3 years of work experience or business stability.
Credit Score
A CIBIL score of 650 to 725 or higher for best rates.
Documentation Checklist
DOCUMENTS REQUIRED FOR HOME LOAN
Salaried Profile
TO GET A HOME LOAN AS A SALARIED PERSON
Identity & Address Proof
PAN card, Aadhaar, Passport, or Voter ID.Income Proof
Salary slips of the last 3–6 months, Form 16 or ITR (last 2 years), and 6 months of bank statements.Property Documents
Signed sale agreement, title deed, approved building plan, and builder NOC.Self-Employed Profile
FOR SELF-EMPLOYED
Self-employed individuals in India qualify for a home loan by meeting specific age, business vintage, and financial standards.
Age: 21 to 70 years at loan maturity.
Business Continuity: Minimum 2 to 3 years in the same business.
Credit Score: A CIBIL score of 700 or above.
Income Proof: Past 2 to 3 years of Income Tax Returns (ITR) and audited financials.
NRI Profile
FOR NRIs
NRIs aged 21-65 with a valid passport, work visa, regular overseas income, and one year of experience qualify for home loans.
SHI HOME LOAN EXECUTION CHECKLIST
Everything provided in your Home Loan execution checklist
30+ Banks Eligibility Check
Comparison of Lowest Interest Rate
Rapid loan sanctions
Doorstep Document Collection
Home Loan Balance Transfer
Assistance with Top-Up Loan
PMAY Subsidy Guidance
Self-Employed Loan Appraisal
Salaried Executive Loan Offer
NRI Home Loan Processing
Transparent Workflow
HOW TO APPLY FOR A HOME LOAN?
Transparent workflow
01
Contact and Consultation
Submit your call or consultation request by filling out the provided form.
02
Profile audit and quote
Our ex-banking credit managers, legal advocates, or interior designers will analyse your income profile to provide the lowest interest rates.
03
Execution
Certified specialists liaise with banks, sub-registrar offices, or factories for quality work.
04
Doorstep Disbursal
Get your official pre-approval letters and interior plan at your doorstep as well as in your mail.
What Sets Us Apart
WHAT SETS US APART?
Our Core Commitments to Every Home Buyer & Owner
Tie-ups with top banks:
Compare and choose floating or fixed interest rates from India’s leading public and private sector lenders.
Zero Paperwork Stress:
End-to-end legal verification, documentation retrieval, and doorstep KYC pickup.
Speed & Transparency:
Transparent processing fees with lightning-fast approvals and real-time tracking updates.
Got Questions?
Frequently Asked Questions
Find quick answers to common questions about Home Loan
How does SHI help me get a loan with the lowest rate?
Will I be charged for availing free loan services?
How much time will it take for my loan approval?
What is the eligibility criteria for a home loan?
What does Form 16 and ITR mean?
Which banks are tied up with Search Homes India for home loans?
