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There is a famous saying which says that” Don’t wait to buy real estate, buy real estate and then wait”. And as far as the buying home is concerned, everyone knows that ‘the best time to buy a home is always 5 years ago’. So, don’t wait for market prices to get down, who knows that you may have to pay even more in the future.Let us assist you in building your ‘home sweet home’ with our Loan Guru’s Home Loans facility.


A home loan or housing loan is the money acquired by people for a fixed period of time from banks or other organizations to purchase, build, repair or revamp a residential property. Banks charge an interest on the amount of money obtained, which must be paid by the borrowers alongside the principal amount.


  • Secured Form of Loans : Home loans are secured loans, i.e. any kind of assets has to be kept as a security or collateral against which the loan amount can be claimed. In most cases, the house, which is being funded, acts as a collateral. One’s existing property can also act as a collateral to avail the home loan.
  • Low-Interest Rates : The interest rates of secured loan is much lower than the interest rates of unsecured loans since there is a high amount of risk is associated with unsecured ones.
  • Flexibility in Usage : The loan amount can be utilized to fund the property or for the investments. This means you can avail the home loans for the investments purposes as well.
  • Longer Tenure : Since home loans are a secured form of loans, the tenure period of these loans is very long. However, the applicant has to repay the loan amount before he reaches his 60 years of age.
  • Easy Repayments : Since the loan amount is very huge and the tenure period of the loan is very long, thus the repayments of loans is done through easy monthly EMIs. The pre-payments of loan is also allowed to reduce the liability.


Over the most recent couple of years, the land has been a standout amongst the most lucrative investment alternatives for the investors. Regardless of how productive it sounds, the rising stature of land as an investment option has prompted the highest prices of the property in the nation. Both land and building have turned out to be very costly for individuals to purchase. This has prompted a flood in the number of home loans that are applied every day.

  • Saves Your Money to be taken in one go : Despite the fact that rising costs of land is one explanation behind borrowers taking home loans, another real purpose for this is the property exchanges are very massive when compared with other everyday monetary exchanges. Thusly, it isn't at all essential that the purchaser will have the whole property cost accessible with him or her, at the season of purchasing the property. This is the place where home loans come in and overpass any barrier between the property dealer and purchaser.
  • Save your tax : Home loans are qualified for certain income tax exemptions which can be utilized to save the amount of income tax that an individual pays each year. Under section 24 of the Income Tax Act, tax benefit can be claimed on up to Rs.1.5 lakh out of the interest segment of your home loan.


Loan Guru is India's leading portal for financial services where various home loan offers from different banks can be compared at one place and applied from the comfort of your home. This is what clients can do:

  • Compare the services of different lenders to choose the right lender to deal with.
  • Compare the real-time interest rates levied on home loans offered by different banks. At Loan Guru, our experts continuously monitor the changing interest rates on home loans.
  • Apply online for a home loan, directly from the Loan Guru website.
  • Avail constant expert’s guidance on loans matters from our experts.
  • Decide the monthly repayment amount and schedule with the help of our experts.
  • Professionals and experts’ insights on property and loan matters. We will be just one call away to help you.


The eligibility criteria for home loans are laid out differently by different banks, here are some of the common factors that used to determine the individual’s eligibility;

  • Age : The applicant must be of 25-60 years of age. Repayments have to be paid before the age of 60.
  • Income : Minimum amount of income above 3 lakhs is required to avail home loan. This depends upon the nature of the applicant’s job i.e. salaried or self-employed.
  • Credit Score : A good credit score (650 & above CIBIL score) will be required. The applicant must have a sound financial background for loan approval and determine the rate of interest and tenure period.
  • Job Nature : Whether salaried or self-employed, the applicant must be in the same job for 1 year and n the same business for at least 5 years before applying for the home loan.


Nothing happens without papers, but we will do it for you. No need to break a sweat. Following are the documents that would be required for the approval of the home loan.

  • Duly signed application form with 4-6 passport sized photographs.
  • ID- Proof (passport, voter-id card, PAN card, Driving License).
  • Address Proof (electricity bill, telephone bill, property tax receipt, Aadhaar card, voter-id card).
  • Bank statements of last 1year/6 month (job).
  • Business Proof of self-employed individuals.
  • Balance sheet and Profit and Loss Statements of current and last year.
  • PAN & Aadhaar card required.


  • ID and Address proof
  • 2 photos
  • Business proofs
  • Statements of Personal assets and liabilities (optional)
  • PAN & Aadhar card required

Additional documents required from salaried individuals

  • Salary slips of last 6 months(salary).
  • Income Tax returns for the last 2 years(self employed).

Terms & Conditions

  • All the information provided here is for awareness and customer convenience only. It is intended to act only as a demonstrative guide about Loan Guru's product and services. Terms and Condition apply.For detailed information kindly contact at +91 9911175539 or please visit our branch.

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