JSR Financial

Overview

What is a Home Loan?

A Home Loan is a secured credit facility provided by banks and NBFCs to help you purchase, construct, or renovate a residential property. The property itself serves as collateral, and repayments are made through EMIs.

Loan Amount

₹5 Lakhs – ₹10 Crore
(depending on property & bank policy)

Tenure

Up to 30 years

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Types of Home Loan

Home Purchase Loan
Home Construction Loan
Home Renovation Loan
Plot + Construction Loan
Balance Transfer Home Loan
Top-Up Home Loan

Key Benefits

High loan amounts with long repayment tenure
Competitive interest rates
Balance transfer & top-up facilities
Tax benefits under Income Tax Act Sections 24 & 80C
Trusted by leading national banks & NBFCs

Eligibility

Who can apply?

Eligibility varies by lender, but standard criteria include:

For Salaried Individuals

Age: 21 – 60 years at loan maturity
Stable employment history
Minimum net monthly income as per lender
Acceptable credit score
Valid KYC documents

For Self-Employed Professionals

Age: 23 – 65 years at loan maturity
Business continuity of 3 years or more
Minimum annual income as per bank/NBFC
Audited financial statements & ITRs
Valid KYC documents

Documentation

Documents Required

General list (exact documents may vary by bank/NBFC):

For Salaried

KYC: PAN, Aadhaar, Address proof
Last 3 months salary slips
Form 16 (latest)
Last 6 months bank statements
Agreement to Sale / Allotment Letter
Property documents (as required)

For Self-Employed Professionals

KYC: PAN, Aadhaar, Address proof
Business proof: GST/License/Registration
Last 2–3 years ITRs
Audited financial statements
Last 12 months bank statements
Property documents (as required)

Ready to Apply for a Home Loan?

Quick online application • Guidance from our loan counselors • Secure and transparent process

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