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Higher home ownership eligibility
Get structured eligibility for purchasing a residential property with lender-backed plans.
Home Loan
Purchase your dream home with flexible financing and structured eligibility.
Compare top lenders, choose the right tenure for your budget, and complete a simple online application in minutes with CapitalCare.
The process is practical and property-light: submit your details, upload required documents, and our loan team will guide you through approval and disbursal.
For salaried and self-employed
Higher purchase eligibility
Flexible EMI structures
Guided documentation support
Online Home Loan Features and Benefits
Home loans remain a preferred way to manage property purchases with flexible repayment and structured eligibility.
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Flexible tenure options
Choose practical repayment tenures to keep EMIs manageable for your monthly income.
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Profile-based programs
Separate journeys for salaried and self-employed applicants with relevant checks.
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Salaried and self-employed options
Both salaried and self-employed applicants can apply with profile-based documents.
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Structured verification
Property papers, agreement to sale, and income profile checks are handled in an organized process.
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Competitive pricing
Compare suitable lender options and choose practical interest and fee structures.
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Transparent processing
Know lender-level processing and legal charges before final disbursal.
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Guided documentation
Our team supports document checklist completion from start to finish.
How to Apply for Home Loan Easy Approval?
The application journey is simple. Share your details, verify your number, upload documents, and submit for review by our loan team.
Step 01
Click Apply Now and submit personal, income, residence, and loan requirement details.
Step 02
Verify mobile number with OTP and continue the secure flow.
Step 03
Select profile type (self-employed or salaried) and upload the required documents.
Step 04
Submit application; our team checks profile and property papers, then connects for next steps.
Home Loan Eligibility and Documents
Review these criteria and documents together before applying to avoid delays during verification.
Eligibility Criteria
Basic checks help lenders evaluate repayment capability and process applications faster.
- Applicant should be at least 18 years old.
- Property ownership documents should be clear and complete.
- Valid applicant and co-applicant KYC documents are required.
- Income profile should support repayment capacity.
- Existing loan obligations must be disclosed if running.
Required Documents
Keep these documents ready to reduce review time and improve approval turnaround.
- Self-employed (Proprietorship): Applicant and co-applicant KYC, residence electricity bill, GST registration certificate, last 2 years financials with CA stamp, last 1 year current account statement, last 1 year GST 3B return, running loan details (if any), office address proof, property papers with complete chain, and agreement to sale.
- Salaried: Applicant and co-applicant KYC, residence electricity bill, office I-card, last 3 month salary slip, last 6 month bank statement, last 2 years Form 16, running loan details (if any), property papers with complete chain, and agreement to sale.
- Upload format supported: PDF, JPG, JPEG, PNG (maximum 10MB per file).
Home Loan Interest Rate and Applicable Charges
Keep these rate and fee components in mind while comparing lenders for better transparency and budgeting.
- Interest Rate: As per lender program and applicant profile
- Processing Fees: Approx. 0.5% to 2.5% of sanctioned amount
- Legal and Technical Valuation: Depends on actuals and lender policy
- Pre-payment / Foreclosure: Depends on lender terms
- Documentation Charges: As applicable
- Penal / Bounce Charges: As per lender schedule
Types of Home Loan
Choose the right loan category based on your property needs and repayment comfort.
Ready-to-Move Home Loan
Structured financing for immediate home purchase and possession.
Under-Construction Home Loan
Disbursement tied to project stages for new developments.
Resale Property Home Loan
Home loan options for purchasing pre-owned residential property.
Home Loan Balance Transfer
Transfer existing home loan for better rates and terms.
Top-Up Home Loan
Additional funding over your existing home loan eligibility.
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