What lenders look at
Typically your income and stability, existing loans, credit history, the property and its documents, and the loan-to-value ratio. A healthy credit history and lower existing obligations usually help.
Plan your down payment and costs
Besides the down payment, budget for registration, stamp duty, processing fees and moving costs. Government charges and lender fees change, so confirm current figures.
Choose the tenure carefully
A longer tenure lowers the EMI but increases total interest. Use the calculator below to compare.
Documents lenders commonly ask for
Typically identity and address proof, income proof (salary slips or income-tax returns and bank statements), and property or business documents where relevant. Exact requirements differ by lender. For a home loan, the sale agreement and title documents are reviewed too.
How we help
We explain the steps, help you organise documents and share your enquiry with lending institutions on your request. Decisions are made by the lender.
Documents checklist
Tap your category. Exact requirements vary by lender, and we confirm the final list for your case.
Salaried
- Property photos
- Salary slips: last 3 months
- Bank statement: 6 months till date (some lenders ask for 1 year)
- PAN card
- Aadhaar card
- Passport and company offer letter (if the lender asks)
- Property documents
- Khata
- Encumbrance Certificate (EC) from 2004 to date
- Sale deed
- Mother deed
- Property tax paid receipts
- Existing loan sanction letters
- Loan repayment track (statement)
Self-employed
- Property photos
- Bank statement: 1 year (PDF)
- ITR: last 2 years, full set
- GST certificate
- PAN card
- Aadhaar card
- Property documents
- Khata
- Encumbrance Certificate (EC) from 2004 to date
- Sale deed
- Mother deed
- Property tax paid receipts
- Existing loan sanction letters
- Loan repayment track (statement)
Home purchase loan
- Property photos
- Payslip
- Company ID card
- PAN card
- Aadhaar card
- Bank statement: 1 year (PDF)
- Property documents
- Khata
- Property tax paid receipts
- Encumbrance Certificate (EC) from 2004 to date
- Sale deed(s)
- Mother deed
- Layout plan (copy)
- Own house proof (latest electricity bill)
Construction loan (salaried)
- Salary slips: last 3 months
- Bank statement: 1 year till date
- PAN card
- Aadhaar card
- Passport-size photo
- Construction estimate
- Property documents
- Khata
- Encumbrance Certificate (EC) from 2004 to date
- Sale deed
- Mother deed
- Property tax paid receipts
- Existing loan details
- Loan repayment track (statement)
Rental income or existing loan takeover
- Property photo
- Passport-size photo
- ITR: last 2 years
- Bank statement: 1 year
- PAN card
- Aadhaar card
- Property documents
- Khata
- Encumbrance Certificate (EC) from 2004 to date
- Sale deed
- Mother deed
- Property tax paid receipts
- Rental agreements
- Existing loan sanction letter
- Foreclosure letter
Co-applicant documents
- Aadhaar card
- PAN card
- Photo
- We do not promise approval, rate or loan amount
- Interest rates may be fixed or floating and can change
- Read the sanction letter and all charges before you accept
Business Links facilitates loan-related enquiries and assistance. It is not a bank or NBFC unless separately authorized. Loan eligibility, approval, interest rates and disbursement are determined by the respective lending institution.
EMI Calculator
Results are indicative and use the standard reducing-balance method. The starting values are only an illustration, not an offer. Actual lender terms, fees and rates may differ.