Generally:
ID & address proof (Aadhaar, PAN, passport)
Income proof (salary slips, bank statements, ITR)
Property documents (sale deed, agreement, etc.)
Passport-size photographs
Employment proof (if salaried)
Trusted Home Loan Experts in India
Own Your Dream Home with the Right Loan
India Leading Home Loan Service With Trusted Compliance Professionals
Buying a new home or planning to renovate? FinFlickTax helps you find the best home loan offers from top banks and NBFCs. From comparing interest rates to preparing documentation and ensuring smooth approval—we handle everything so you can focus on moving in.
Affordable EMIs. Transparent process. Expert assistance at every step.
10,000+ families trusted FinFlickTax to secure their home loan with ease.
Overview on Home Loan In India
At FinFlickTax, We Believe in Being Prepared At Finflicktax, we understand how important it is to own your own home. That’s why we help you navigate the home loan process with expert consultation, lender comparisons making your journey stress-free and informed from start to finish.A home loan is essentially a credit facility where a lender finances a significant portion of your property cost, and you repay it in equated monthly installments (EMIs) over a defined tenure. The property itself is used as collateral until the loan is fully repaid.
A home loan is a type of secured credit facility provided by banks, non-banking financial companies (NBFCs), and housing finance companies (HFCs) to enable individuals to buy, construct, repair, or renovate residential properties.
With interest rates ranging from approximately 8% to 10.5% per annum, flexible repayment options extending up to 30 years, and benefits like income tax deductions under Sections 80C and 24(b) of the Income Tax Act, home loans are designed to be consumer-friendly. Most lenders also provide top-up loans, balance transfer options, and online account management tools for better convenience.
Home loans are secured in nature, meaning the property being financed serves as collateral until the loan is fully repaid. This lowers the risk for lenders and allows them to offer lower interest rates compared to unsecured credit products like personal loans. However, borrowers should exercise caution by assessing their repayment capacity, checking for hidden charges, and comparing offers from multiple lenders before signing a loan agreement.
In summary, home loans in India are a powerful financial tool that empower individuals and families to invest in their future through property ownership while enjoying structured, long-term repayment solutions.
Who Needs Home Loans?
A home loan is not just a financial product; it’s a stepping stone towards achieving the lifelong dream of owning a home. In India, with real estate prices steadily rising and savings often falling short, a home loan becomes an essential tool for various types of homebuyers and property investors. At Finflicktax, we cater to a wide spectrum of clients who require home loans for different reasons and financial goals.
Existing Homeowners Looking to Upgrade
The most common group needing home loans are first-time buyers families purchasing their very first property.
People Planning Renovations
Many homeowners outgrow their current residences due to expanding families or changing lifestyle preferences.
People Planning Renovations
Home loans are not just for new purchases—they're also ideal for those planning renovations, repairs.
Eligibility For Home Loan In India
✅ Age between 21 to 65 years at the time of loan maturity.
✅ Stable income source from salaried or self-employed profession.
✅ Minimum income as per city & lender norms (e.g., ₹25,000+ per month).
✅ CIBIL score of 750 or above is preferred for easy approval.
✅ Employment continuity of 2+ years boosts credibility.
✅ Property must have clear title and legal approvals.
✅ EMI should not exceed 50% of your monthly income.
✅ Valid ID, address, income, and property documents required.
Process Of Home Loans
Process of Income Tax Service in India — by Finflicktax
Filing income tax returns and ensuring compliance with the Income Tax Act can be complex—especially when dealing with multiple income sources, deductions, or business transactions. At Finflicktax, we simplify the entire process and guide you through each step, ensuring your returns are filed accurately, on time, and with maximum possible tax savings.
Here’s a step-by-step overview of how we handle your Income Tax Service:
NEED HELP
- Don’t worry if home loan terms sound confusing. Finflicktax will guide you
Check your loan eligibility based on income, credit score, and profile
Find out which documents are required for salaried or self-employed applicants
Get full support to apply for the best loan with top banks & NBFCs
Process Of Home Loan In India
Step-by-Step Procedure for Home Loan In India — by Finflicktax
Applying for a home loan in India involves several important steps, from choosing the right lender to getting the loan amount disbursed. At Finflicktax, we simplify the journey by offering complete assistance at every stage—ensuring your experience is fast, transparent, and stress-free.
Here’s a clear step-by-step process of getting a home loan in India:
How to Download Home Loan Certificate
Log in to your internet banking account.
Go to the Home Loan section (this may be under ‘Loans’ or ‘Accounts’).
Look for an option like “Provisional Interest Certificate” or “Home Loan Certificate”.
Select the relevant financial year.
Click Download / View PDF.
Frequently Asked Questions on GST Registration (FAQ)
What is a home loan?
A home loan is a sum of money borrowed from a bank or financial institution to purchase, construct, or renovate a residential property, repayable in monthly installments (EMIs) over a set tenure.
Who is eligible for a home loan?
Most banks require:
Age: 21 to 65 years
Income: Salaried or self-employed individuals with stable income
Credit Score: Preferably 750 or above
Employment: At least 2 years of stable job or business
What is the maximum loan amount I can get?
Usually up to 80-90% of the property’s value.
Subject to your income, repayment capacity, and credit score.
What are the types of home loans available?
Home Purchase Loan
Home Construction Loan
Home Renovation Loan
Home Extension Loan
Plot + Construction Loan
Balance Transfer Loan
What documents are required for a home loan?
Why Families Across India Trust Us for Their Dream Home Loans
Rajan Shukla
Quick & Transparent Home Loan Processing
Kurla, Mumbai
“I was overwhelmed by the paperwork and options, but Finflick made my home loan process simple. They compared banks, got me a great interest rate, and handled all the documentation. I got approval faster than expected!”
Rajat Verma
Trusted Partner for First-Time Homebuyers
Ashok Vihar, Delhi
“Being a first-time buyer, I had zero knowledge about loans. The team explained everything clearly, assisted with eligibility checks, and ensured my loan got approved without any stress. Extremely satisfied!”
Shwetha Ramesh
Smooth Loan Experience with Personalised Support
Velachery, Chennai
“I had been rejected earlier due to income mismatch. Finflick helped me restructure my file properly and got me approved within a week. Their professionalism and constant updates were very reassuring.”