Get best rates on home loan | Finwisely

Best Rates On Home Loan

Interest rate starts from 6.50%

For every successful disbursement, the Customer will get cashback up to 0.2% of the disbursement amount. Maximum cashback will be up to Rs 50,000.




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What kind of loan are you looking for?

What is your occupation?

Have you finalized the property?

What is your gender?

What is your date of birth?

In how many years would you like to repay?

What is your mobile number?

What is your name?

What is the loan amount?

What is the outstanding amount?

From which bank you took loan?

What is the current interest %?

What is the topup amount?

What is your current emi?

What is your employer type?

What is the mode of your salary?

What is your net monthly income?

What is your pincode or city?

Which company do you work for?

What is the pincode or city of your finalised property?

What is the value of your property?

What is your existing emi of any other loan?(if any)

What is the income of co-applicant?(if any)

What is your mobile number?

What is the type of the property?

What is the type of construction?

Is property area more than 450 sq ft or 500 yard?

Do you want to check credit score?


List of papers/ documents applicable to all applicants

  • 3 Passport size photographs of the applicant and co-applicant(s)
  • Identity proof (any one): PAN Card/ Passport/ Voter’s ID Card/ Driving License
  • Age proof (any one): PAN Card/ Passport/ Birth Certificate/ X Class mark sheet/ Bank Passbook/ Driving License
  • Residence proof (any one): Bank Passbook with address/ Voter’s ID/ Ration Card/ Passport/ Utility bills (Telephone Bill, Electricity Bill, Water Bill, Piped Gas Bill)/ LIC Premium Receipt/ Letter from a recognized public authority verifying the customer’s address

Property Papers

  • NOC from Society/Builder
  • A detailed estimate of the cost of construction of the house
  • Occupancy certificate (for ready-to-move-in properties)
  • Registered Sale deed, the allotment letter or stamped agreement of sale with the builder (original document)
  • Property tax receipts, maintenance bills, and electricity bills
  • Receipts of the advance payments made towards the purchase of flat (original document)
  • An approved copy of the building plan (key plan/floor plan in case of purchase of flats)
  • Original of the land tax paid receipt and possession certificate as issued by the revenue authority
  • Payment receipt or bank account statements showing payments made to the builder or seller

Income Documents

  • For salaried individuals:
    Form 16 / IT returns of past 3 financial years
    Salary certificate (original) from employer
    Payslip of last 2 months
    Increment or promotion letter
    Investment proofs (like fixed deposits, shares, mutual funds, etc.)
    Other liabilities if any to be declared
  • For self-employed individuals:
    Income Tax Returns (ITR) / Assessment orders of last financial 3 years
    Balance Sheet and Profit & Loss Account Statement of the Company/Firm (duly attested by a C.A.)
    Challans as proof of Advance Income Tax payment
    Business License Details (or any other equivalent document)
    The license of professional practice (Doctors, Consultants, etc.)
    Registration certificate of the establishment (Shops, factories & other establishments)
    Proof of Business Address



Minimum - 21 years

Maximum – 65 years


Min monthly salary is Rs. 25,000/- for applicants from non-metros

For applicants of Mumbai, Delhi, Bengaluru, Chennai, Hyderabad, Pune and Kolkata, it can be higher

Credit score

A good credit score preferably above 750 helps in processing the loan faster and better interest rate

A few financial institutions do offer loans for those who have a CIBIL score of 650+

Work Experience

For salaried - minimum 2 years with 1 year in same company

For self employed - Minimum 3 years of business