Get Your Dream Home Loan with Vizzve Financial – Easy, Fast, and Reliable!
Buying your dream home is a significant milestone, but the process of getting a home loan can often feel overwhelming.
That’s where Vizzve Financial steps in! We take the complexity out of the equation, ensuring a smooth and hassle-free experience from start to finish.
Why Choose a Home Loan with Vizzve Financial?
- 1.Tailored Solutions: We understand that every customer has unique needs. Our team assesses your profile and financial goals to match you with the most suitable banks and NBFCs.
- 2.Time-Saving Process: Say goodbye to endless paperwork and follow-ups. We streamline the entire process so you can focus on what matters—your dream home.
- 3.Unmatched Transparency: With no hidden charges or commissions, you can trust us to provide clear and upfront guidance.
- 4.One-Stop Solution: From finding the right lender to finalizing the loan disbursal, our experts are with you every step of the way.
Benefits of Choosing Vizzve Financial for Your Home Loan
- Lowest Interest Rates: Through our partnerships with leading banks and NBFCs, we ensure you get the most competitive rates in the market.
- Flexible Loan Tenure: Choose a repayment tenure that suits your financial planning, ranging from 5 years to 30 years.
- Top-Up Loans: Need extra funds after securing your home loan? We can help you avail top-up loans with minimal paperwork.
- Balance Transfer Facility: If you're paying a higher interest rate on an existing home loan, we can assist in transferring your loan to a lender offering better terms.
- Doorstep Assistance: We bring the service to your doorstep, ensuring convenience at every stage.
Eligibility Criteria for a Home Loan
To be eligible for a home loan, you need to meet the following requirements:
- Age: 21 to 60 years for salaried individuals; up to 65 years for self-employed professionals.
- Income: A stable income source is essential. Salaried individuals should have a minimum monthly income of ₹25,000, while self-employed individuals need consistent business turnover.
- Credit Score: A credit score of 750 or above increases your chances of approval at lower interest rates.
- Employment Stability: Minimum of 2 years in current employment or 3 years in business for self-employed individuals.
Detailed Partner Banks and Interest Rates
We partner with India’s top banks and NBFCs to offer you the most competitive rates and terms. Here’s a quick look at some of our partners and their interest rates*:
| Bank/NBFC | Interest Rates (p.a.) | Processing Fee | Maximum Loan Amount |
|---|---|---|---|
| SBI (State Bank of India) | 8.50% - 9.00% | ₹10,000 or 0.35% of loan amount | ₹5 Crore |
| HDFC Bank | 8.60% - 9.50% | ₹3,000 - ₹5,000 | ₹10 Crore |
| ICICI Bank | 8.70% - 9.70% | ₹3,000 - ₹5,500 | ₹3 Crore |
| Axis Bank | 8.65% - 9.80% | ₹10,000 or 1% of loan amount | ₹10 Crore |
| Kotak Mahindra Bank | 8.50% - 9.20% | ₹5,000 or 0.50% of loan amount | ₹3 Crore |
| PNB Housing Finance | 8.75% - 9.50% | ₹10,000 or 1% of loan amount | ₹5 Crore |
| Bajaj Finserv | 8.90% - 10.50% | ₹5,000 or 0.50% - 1% of loan amount | ₹10 Crore |
Documents Required for a Home Loan
We help you organize and submit the necessary documents. Here's the complete checklist:
Identity Proof
- Aadhaar Card, PAN Card, Passport, or Voter ID
Address Proof
- Utility Bills, Rental Agreement, or Passport
Income Proof
- Latest 3 months’ salary slips or income statements for salaried individuals
- Income Tax Returns (ITR) for 2-3 years for self-employed individuals
- Bank statements for the last 6 months
Property Documents
- Sale Agreement, Title Deed, Approved Building Plan, and NOC from the Builder/Society
Additional Documents
- Passport-sized photographs
- Duly filled and signed loan application form
Frequently Asked Questions (FAQs)
1. How much home loan can I get?
The loan amount depends on your income, credit score, and property value. Typically, lenders offer 75-90% of the property’s value.
2. How long does it take to get a home loan approved?
With Vizzve Financial’s streamlined process, loan approvals can take as little as 48-72 hours after document submission.
3. Can I apply for a joint home loan?
Yes, applying for a joint home loan can increase your eligibility and loan amount. Co-applicants can include your spouse, parents, or siblings.
4. Is there a prepayment penalty?
Most banks and NBFCs do not charge a prepayment penalty on floating-rate home loans. However, fixed-rate loans may have nominal charges.
Start Your Home Loan Journey Today!
At Vizzve Financial, we are committed to helping you achieve your dream of owning a home with ease and confidence. With our expert guidance, advanced technology, and customer-first approach, you’ll experience a level of service that stands out.
Contact us today 8449 8449 58 to explore the best home loan deals tailored for you. Let’s make your dream home a reality with Vizzve Financial!