Home loan
Finance a flat, independent house or villa in Jaipur, whether it is ready to move in, under construction or a resale. We help you choose the bank, get the highest amount you are eligible for, and keep the paperwork clean so the sanction is not held up.
What you can use it for
- A ready-to-move flat, house or villa
- An under-construction property from an approved builder, paid in stages
- A resale property bought from the current owner
- Building on your own plot (see the plot and construction loan)
Who it suits
- Salaried employees with a stable job and salary account
- Self-employed professionals and business owners with filed ITRs
- Families applying together: adding a spouse or parent as co-applicant can raise eligibility
- NRIs buying in India, with documents from their country of work
Eligibility
General guidelines. Each bank has its own policy, and we match your profile to the bank most likely to approve it.
| Age | 21 years and above; the loan usually ends by 60 to 70 years of age |
|---|---|
| Income | Regular salary or business income; banks keep total EMIs within roughly 50 to 60% of income |
| Credit score | 750 or above usually gets the best rates |
| Property | Clear title, approved map, and colony approval from JDA or the local body |
- Allotment letter or builder–buyer agreement
- Receipts of payments already made to the builder or seller
- RERA registration and approved plan for under-construction projects
Questions
Can I get a home loan for a resale flat?
Yes. The bank values the property, checks the full chain of title, and pays the seller directly at registration. Older buildings may get a shorter tenure.
Is there a tax benefit?
Under the old tax regime you can claim interest up to ₹2 lakh a year under Section 24(b) and principal up to ₹1.5 lakh under Section 80C for a self-occupied home. Confirm the details for your case with your CA.
Can my wife or parents be co-applicants?
Yes. A co-applicant with income adds to your eligibility, and women applicants often get a slightly lower rate from many banks.
Other loans
Talk to Mukesh Kumar
Share the property details and your income. You will know your likely eligibility and the right bank in the same call.
