Home Loan in surat

We eye to create a robust alternative credit ecosystem in the country. For this, we are digitizing the finance functions. Anywhere and everywhere – you can Apply for a Home Loan with just a few clicks.

Now, you can compare and make a wise choice for the best Home Loan in surat also. We bring forth a myriad of options from best banks and NBFCs for your convenience. It’s simple! Choose your desired product and win amazing assured cash backs up to ₹ 5000 on the disbursal of your loan amount.

Eligibility Criteria for Home Loan in surat

No worries for strict eligibility conditions. We tie-up with all the best lenders in the surat and help you with flexible eligibility criteria. Salaried/self-employed/professionals – hope you meet the following eligibility parameters.

• A salaried individual needs to be between 23 to 62 years
• A self-employed individual needs to be between 25 to 70 years
• The credit score should be 700+
• A minimum of 2 year work experience is required for the salaried individual
• A minimum of 3 year business continuity is required for self-employed people

Documents Required for Home Loan in surat –

We leverage existing and emerging technologies to offer you the complete digitalized process. Upload the required documents; it will take a few minutes.

Salaried Class –

• Identity Proof - Aadhaar Card /Voters ID/Passport/Driving License /PAN Card/Photo Credit Card/Photo Identity Card issued by the Govt. of India
• A recognized public authority or public servant issued letter establishing the identity of the customer (not more than 1 month old)
• Residential Proof - Leave and License Agreement/Utility Bill (maximum three months old)/Passport/Voter ID Card/Aadhaar Card/Rent Agreement on Stamp Paper/Life Insurance Policy
• Income Proof – Salary slips for the last three months along with the bank statement showcasing the credited salary. Latest Form 16/ITR
• Employment Certificate – for the past 1 year
• Photographs - Two passport size
• Other Documents – Evidence to support running loans long with repayment bank statement for the past 6 months

For Self-employed

Identity Proof -

• Aadhaar Card /Voters ID/Passport/Driving License /PAN Card/Photo Credit Card/Photo Identity Card issued by Govt of India

A recognized public authority or public servant issued letter establishing the identity of the customer (not more than 1 month old)

Address Proof for Business Entities –

• Business Certificate/Trade License Certificate/SSI Registration Certificate/Registration Number issued by ROC

Proof of Income –

• ITR for the last 2 years
• Balance Sheet & P&L Account
• 6 months account statement of business entity and savings account statement of individual

Running Loan & other Documents –

• Evidence to support running loans long with repayment bank statement for the past 6 months
• Shareholding pattern list (certified by CA/CS)
• Partnership deed (for partnership companies)

In addition to all the above documents, both salaried and self-employed people need to furnish the following property papers -

• Copy of property documents
• Copy of Agreement to sell
• Buyer Agreement/Allotment Letter
• Occupancy Certificate (in case of ready to move in property)
• No Objection Certificate from the builder/society
• Payments receipt made to the developer

Benefits & features of taking a Home Loan in surat

Scale up your business to new heights with a business loan. At surat, we have a plethora of options with added benefits. Everything is online – you don’t need to visit the bank.

Get ready to leverage the following benefits –

1. Instant Approval – Yes. SBI, ICICI, HDFC, India Bulls, IIFL and other players are offering instant paperless approval for housing loan. At Afinoz, the lowest home loan rate is guaranteed because we bring forth best home loan players along with their offers under one roof.
2. High Eligibility – Within few minutes, we will assess your home loan eligibility and suggest you the best available options in surat. Our process is driven by automated technologies, and we help you get low EMI home Loan
3. Balance Transfer – We will make you pay your EMI easily by reducing your debt amount. Transfer your Home Loan balance to save on money. Some lenders charge fee for a home loan balance transfer.