Mail ID: divasrealtynoida@gmail.com Phone No + 91 9711162302
Home Loan with Low Rate of Interest (ROI)
Home loan contents include essential documents (KYC, income proof, property papers) and key contractual terms (loan amount, interest rate, EMI, tenure, and prepayment clauses) required for financing property purchase or construction. Key components include applicant identification, income verification (ITR, salary slips), and property titles
Income Proof (Salaried): Salary slips (last 3-6 months), Form 16, Bank statements.
Essential Documentation Checklist
KYC & Personal Proof: Aadhaar Card, PAN Card, Passport, Voter ID, Driver’s License.
Income Proof (Self-Employed): ITR (last 3 years), Profit & Loss statement, Balance sheet.
Property Documents: Sale Agreement, Title Deed, Approved Building Plan, Occupancy Certificate, No Objection Certificate (NOC) from society, Property tax receipts.
Other: Photographs, Employment details.
Interest Rate: Fixed or floating rate, often linked to CIBIL scores.
Key Home Loan Agreement Contents
Loan Amount: Total sanctioned funds.
EMI Structure: Equated Monthly Installments, ideally not exceeding 50% of income.
Tenure: Repayment duration, maximum up to 70 years of age.
Charges: Processing fees, stamp duty, administrative charges, prepayment penalties.
Clauses: Default definitions, amendment, and security/collateral
Frequently Asked Questions
What types of loans are available?
We offer home loans, personal loans, business loans, and more under one umbrella.
How to apply for a loan?
You can apply online through our website or visit our office for assistance with your loan application.
How do I repay a home loan?
For your convenience, Bank offers various modes for repayment of your house loan. You may issue standing instructions to your banker to pay the installments through ECS (Electronic Clearing System), opt for direct deduction of monthly installments by your employer or issue post-dated cheques from your salary account.
What are the eligibility criteria?
Eligibility varies by loan type; generally, you need to be an adult with a stable income.
How long does approval take?
Approval times can vary, but typically range from a few hours to several days.
Can I get a loan with bad credit?
Yes, we offer options for individuals with bad credit; however, terms may vary based on your financial situation.
Divas Financial Services made my loan process smooth and stress-free. Highly recommend their services!
John Disuzza
Thanks to Divas Financial Services, I secured a personal loan quickly and easily. Great experience!
Suresh Khanna
