Home loans + Balance transfer

Why choose  Richi Loans and Financial Services for a Home Loan?

We at Richi Loans and Financial Services simplify funding with expert financial and investment services tailored to your needs. Our goal is to provide you access to multiple lenders, best loan terms, expert financial guidance, fast approvals & quick disbursement and less paperwork.. So, come visit Richi Loans and Financial Services for a home loan, to become a proud owner of your ‘Dream House’

Eligibility:

• Minimum Age: 21 years and Maximum Age: 60 years (for salaried individuals) or 65-70 years (for self-employed individuals) at loan maturity
• Salaried Individuals must be employed with a reputable organization or government entity. For Self-Employed Individuals a stable business with consistent income and a proven track record is a must
• A Salaried individual must earn a Minimum monthly income of ₹15,000and a Maximum of ₹25,000, depending on the lender and location. A Self-Employed individual’s annual income should meet the lender’s minimum threshold, supported by financial documents.
• A credit score of 750 or above is preferred for both Salaried and a Self-Employed individual
• The Home Loan applicant must be an Indian citizen or a Non-Resident Indian (NRI), depending on the lender’s policy

Documents:

• Proof of Identity: Aadhaar Card, PAN Card, Passport, Voter ID, and Driving License
• Proof of Address: Aadhaar Card, Passport, Utility Bills (Electricity/Water/Gas – not older than 3 months), Rent Agreement, and Voter ID
• Property Documents: Sale Agreement or Allotment Letter, Copy of Title Deed (to prove ownership), Approved Building Plan or Layout, Occupancy Certificate (for completed properties), NOC from the builder or society, and Receipts for advance payments made to the builder

• Proof of Employment/Business:

For Salaried Applicants: Employee ID card or appointment letter.

For Self-Employed Applicants: Business registration certificate, and Proof of business continuity (minimum 3 years)

· Bank Statements: Bank statements or passbook of home loan applicant showing transactions for the last 6-12 months