Why Choose Us for Your Home Loan?
We're not a bank. Think of us as the people who argue with the banks on your behalf — we put 30+ lenders in competition for your loan and push the rate and fees down from there.
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30+ Bank Partners
One application compared across SBI, HDFC, ICICI, Axis, LIC HFL, Bajaj Finserv and 25+ more lenders.
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Rates from 7.15% p.a.
We negotiate with bank relationship managers to get you rates 0.25–0.50% below standard advertised offers.
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No Paperwork Run-Around
We pick up your documents, check them over, and submit them for you. No repeat trips to the branch.
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Pre-Approval in 48 Hours
Fast-track processing through our dedicated bank channels. Most in-principle sanctions come within 2 business days.
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Doorstep Service
Our advisors visit you at home or office across all of Pune & PCMC — Wakad, Hinjewadi, Baner, Pimpri, Kharadi and more.
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Free & Confidential
Our advice costs you nothing — the banks pay us, not you. Your details stay private.
How It Works
You shouldn't have to take leave from work to chase a loan. We do the running around; you sign where it matters. Here's the sequence.
1
Free Consultation Call
Speak to our home loan expert. Share your income, budget and property details. Takes 10 minutes.
2
Profile Assessment & Bank Matching
We assess your CIBIL, income documents and select the 3–5 best banks for your profile.
3
Document Collection (Doorstep)
Our representative visits you to collect KYC, income proof and property documents.
4
Application Submission & Negotiation
We submit to multiple banks simultaneously and negotiate the best rate and terms for you.
5
Sanction Letter & Property Valuation
Bank issues sanction letter. We coordinate legal and valuation simultaneously to save time.
6
Disbursement
Loan credited directly to the builder/seller. You get the keys to your new home!
Who Is Eligible?
Most working people in Pune qualify for something. Here's the rough criteria our bank partners look at — but don't rule yourself out on paper. Call us first; we've placed loans that looked impossible.
- ✓Age: from 21 years — loan must close by ~60–65 (salaried) or up to 70 for self-employed, sometimes higher with select housing finance companies
- ✓Salaried: Minimum 2 years total experience, 1 year with current employer
- ✓Self-employed professionals (CA, Doctor, Architect): 3 years in practice
- ✓Self-employed business owners: 3 years of ITR filing
- ✓Minimum income: roughly ₹25,000/month (salaried) or ₹3 Lakh+ net annual profit from ITR (self-employed) — exact thresholds vary by lender
- ✓CIBIL score: 700+ preferred (650+ options available)
- ✓Property: RERA-registered preferred, approved by bank valuer
- ✓NRI applicants: Eligible with valid employment and NRE/NRO account
Home Loans for Every Profile
Whether you're salaried, self-employed, or an NRI/OCI cardholder — we have specialist experience with each. Here's what to expect for your profile.
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Salaried Employees
- Rates from 7.15% p.a.
- Min. 1 year with current employer
- Loan up to 60× monthly net salary
- Fastest pre-approval — within 48 hours
- Government employees get preferential rates
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Self-Employed
- Business owners, professionals, traders
- 3 years ITR filing required
- Rates from 7.50% p.a.
- We know which banks favour SE profiles
- Co-applicant increases eligibility by 30–50%
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NRI & OCI Buyers
- NRI (Indian passport) or OCI cardholder (foreign passport) — both eligible
- NRE/NRO account required
- Power of Attorney if not present in India
- Fully managed remotely — no India visit needed
- UAE, US, UK, Singapore, Australia, Canada & more
Full NRI & OCI home loan guide →
Not sure which category applies to you? Call us — we'll assess your profile for free →
How Much Loan Can You Get on Your Salary?
Based on standard bank norms — 50% FOIR, 20-year tenure, 7.5% rate. Actual amount depends on your CIBIL score, existing EMIs, and bank policy.
| Monthly Income (Net Take-Home) | Approx. Eligible Loan | Approx. Monthly EMI |
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| ₹30,000 | ₹15 – 18 Lakh | ₹13,000 – ₹15,500 |
| ₹50,000 | ₹25 – 30 Lakh | ₹21,500 – ₹26,000 |
| ₹75,000 | ₹38 – 45 Lakh | ₹33,000 – ₹39,000 |
| ₹1,00,000 | ₹52 – 60 Lakh | ₹45,000 – ₹52,000 |
| ₹1,50,000 | ₹80 – 90 Lakh | ₹69,000 – ₹78,000 |
| ₹2,00,000 | ₹1.05 – 1.20 Cr | ₹91,000 – ₹1.04 Lakh |
| ₹3,00,000+ | ₹1.60 Cr+ | ₹1.40 Lakh+ |
💡 Higher eligibility tip: Adding a co-applicant (spouse or parent with income) can increase your eligible loan amount by 30–50%. Call us to calculate your combined eligibility for free.
→ Use Our Free Eligibility Calculator
Documents Required for Home Loan in Pune
The faster your documents are in order, the faster the sanction. Here's what you'll need — and our representative picks it all up from your home or office, so you're not photocopying things at the last minute.
💼 Salaried Applicants
- Aadhaar Card + PAN Card
- Latest 3 months salary slips
- 6 months bank statements (salary account)
- Form 16 (last 2 years)
- Employment offer letter / appointment letter
- Passport-size photographs (3 copies)
🏢 Self-Employed Applicants
- Aadhaar Card + PAN Card
- 3 years Income Tax Returns with computation
- 3 years audited P&L and balance sheet
- 12 months current account bank statements
- Business registration / GST certificate
- Passport-size photographs (3 copies)
🏠 Property Documents (required for all applicants)
- Sale agreement / allotment letter
- Approved building plan
- NOC from builder or housing society
- Title deed and chain of documents
- Property tax receipts
- RERA registration certificate
You won't be chasing paperwork. Our representative comes to your home or office, picks up the documents, checks them over, and submits them to the bank for you.
Frequently Asked Questions
How much home loan can I get on my salary?+
Most banks allow 50–60% of your net monthly income as EMI. On a ₹60,000 take-home, you could get a loan of ₹40–50 lakh. Use our Eligibility Calculator or call us for an exact figure.
What is the minimum CIBIL score needed?+
Most banks require 700+. However, we have tie-ups with HFCs that approve loans for scores of 650+. Speak to us before assuming you are ineligible.
Our consultation and service is free for borrowers. We are compensated by banks as a channel partner — there is no conflict of interest.
How long does approval take?+
With complete documents, sanction typically takes 3–5 working days. Final disbursement takes 7–15 days depending on legal and valuation clearance.
Can self-employed people get a home loan?+
Yes! We specialise in self-employed home loans. You need 3 years of ITR, audited financials, and bank statements.
What documents are required for a home loan in Pune?+
For salaried applicants: Aadhaar, PAN, 3 months salary slips, 6 months bank statements, Form 16, and property documents. For self-employed: Aadhaar, PAN, 3 years ITR with computation, audited P&L and balance sheet, 12 months bank statements, and property documents. We help you compile and verify every document before submission.
Can I get a home loan for an under-construction property in Pune?+
Yes. Loans for under-construction properties are disbursed in stages linked to construction progress. You pay only interest (pre-EMI) on the disbursed amount until possession, keeping your outgo low. Ensure the project is RERA-registered — all our partner banks require this.
Can an NRI or OCI cardholder get a home loan for property in Pune?+
Yes — both NRIs (Indian passport) and OCI cardholders (foreign passport) can take a home loan in India under RBI & FEMA rules. You'll need overseas income proof, an NRE/NRO account, and a Power of Attorney if you can't be in India for the registration. We run the whole thing remotely, with clients across the Gulf, US, UK, Singapore, Australia and Canada. For the full picture — documents, FEMA do's and don'ts, tax and repatriation — see our
dedicated NRI & OCI home loan guide →.
What is the maximum home loan tenure available?+
Most banks offer up to 30 years. The actual tenure is capped so the loan is fully repaid by a maximum age — typically 60–65 for salaried applicants, and up to 70 for self-employed. Some housing finance companies stretch this further for strong self-employed or professional profiles, since they have no fixed retirement age. A longer tenure reduces your monthly EMI but increases total interest paid — we help you find the right balance.
What are the tax benefits on a home loan?+
Section 24(b): Deduct up to ₹2 lakh/year on interest for a self-occupied property. Section 80C: Deduct up to ₹1.5 lakh/year on principal repayment. Section 80EEA: First-time buyers may claim an additional ₹50,000 on interest (subject to conditions). Joint loan holders can each claim these deductions independently.
What is the difference between fixed and floating home loan rates?+
A fixed rate stays constant for the loan tenure — predictable but usually higher. A floating rate is linked to the bank's benchmark (EBLR/RLLR) and moves with RBI repo rate changes. In India, almost all home loans are on floating rates, which have historically been lower over the long term. When the RBI cuts rates, your EMI or tenure reduces automatically.
Can I prepay my home loan early without penalty?+
Yes. RBI guidelines prohibit banks from charging prepayment penalties on floating-rate home loans. You can make partial or full prepayments at any time at zero cost. Even one annual prepayment of ₹1–2 lakh can save several lakhs in interest and cut your tenure significantly. Use our free Prepayment Calculator to see the exact impact.