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Benefits Of Availing Home Loan From Rokdabazaar

  • Hassle free one-stop shop for all kinds of loans
  • Committed to offer the most appropriate solution at the best price
  • Customized solutions for customer specific requirements
  • Quotations for multiple lenders/banks
  • Free credit report check
  • Dedicated relationship management
  • Door-step services

Benefits of Home Loan with Piramal Capital Housing Finance:

  • Fast processing loan application and disbursal in minimum time.
  • Loan for purchasing a house or renovate, extension and repair.
  • Just call your dedicated relationship manager and avoid waiting.
  • Home Loan for construction of ready to move property.
  • Home Loan for resale property.

Maximum Loan

  • Loan up to 90% of the cost of the property (including the cost of the land) which will be based on your repayment capacity and regulatory caps.

Maximum Term

  • Loan Up to 30 years (age must not be 60 at the time of last EMI)

Applicant and co-applicant to the loan

  • Facility to apply Home Loans as individually or jointly.

ELIGIBILITY:

  • Salaried Individuals (Both resident and NRIs)
  • Self Employed Individuals (Personalized offers for CAs, doctors, and other professionals)
  • Self Employed Non -Individuals

INTEREST RATES

  • Interest Rates starts from 9.65%* P.A
  • Retail Prime Lending Rate (RPLR) – 16.55% p.a (effective January 5, 2020)

Benefits



Tax Benefits:

The income tax department offers sure benefits and exclusions to individuals who have purchased a home loan from selected banks/NBFCs or financial institutions.


Income Tax Act- Section 24

On acquisition, repair, construction, reconstruction or renewal of property is entitled to a deduction as Interest paid on capital borrowed for the. Maximum amount is Rs 2,00,000 for that the eligible for deduction in the case of self-occupied property and in case of rented out property no limit of amount of deduction prevails.


Income Tax Act- Section 80C

You are entitled for deduction of maximum Rs.1,50,000 from the Income against the principal repayment during a financial year. Registration fee or stamp duty and other incurred expenses paid for during the transfer of such home property to the assesses, also will be considered under this amount.

Documents Required:

  • Application form filled with complete required details.
  • Identity proof such as Voters ID Card, Pan Card or Passport.
  • Address proof such as ration card or electricity bill.
  • Documents of Income proof, if available.
  • Bank Statements or bank copy/pass book.
  • Property documents with chain, if property identified.
  • Last 2 years ITRs with computation of income, Balance sheet, P&L, auditors report (If applicable)
  • If annual turnover is more than 2 Crores, need to be CA certified.