A home loan is a financial solution that helps you buy, build, or renovate your dream home. With FundSarthi, you get:

Affordable home loans in India
Lower interest rates
Low EMI options
Minimum documentation for salaried and self-employed individuals

Fundsarthi provides a range of affordable home loans:

Construction Loan – Build your dream home on your own land.
Plot + Construction Loan – Buy a plot and construct your home with a single loan.
Home Extension/Renovation Loan – Expand or renovate your existing home.
New Purchase Loan – Buy a home from a builder or developer.
Balance Transfer & Top-up Loan – Transfer your existing loan to for a lower interest rate.

ROI depends on:
Applicant’s CIBIL score
Loan amount and tenure
Type of property
Applicant’s financial profile

A co-applicant is usually a direct family member (spouse, parent, or child) who jointly applies for a home loan. While co-owners of the property must be co-applicants, all co-applicants need not be co-owners.

Lender will determine your Home Loan Eligibility largely by your income and repayment capacity. Other important factors include your age, qualification, number of dependants, your spouse's income (if any), assets & liabilities, savings history and the stability & continuity of occupation.

Own Contribution’ is the total cost of the property less Lender ’s home loan Amount to be paid.

Market value refers to the estimated amount that is expected to be fetched on the property as per the prevailing market conditions.

Yes. You are eligible for tax benefits on the principal and interest components of your Home Loan under the Income Tax Act, 1961. As the benefits could vary each year, please do check with our Loan Counselor about the tax benefits which you could avail on your loan.

Security of the loan would generally be security interest on the property being financed by us and / or any other collateral / interim security as may be required by us.
It is extremely important for you to ensure that the title to the property is clear, marketable and free from encumbrance. There should not be any existing mortgage, loan or litigation, which is likely to adversely affect the title to the property.

Top Up Loans can be availed for personal and professional needs(other than for speculative purposes) like marriage, Child's education, business expansion, debt consolidation etc.

It is a loan against fully constructed, freehold residential and commercial properties for: Personal and Business Needs(other than for speculative purposes) like marriage, medical expenses and child's education etc. Existing Loan Against Property(LAP) from other banks and financial institutions can also be transferred.

Yes ,Loan Against Property(LAP) can be availed against a fully constructed and freehold commercial properties .

The Pradhan Mantri Awas Yojana (PMAY) (URBAN)-Housing for All was a mission that was launched by the Government of India with the aim of boosting home ownership. The PMAY scheme caters to Economical Weaker Section (EWS)/Lower Income Group(LIG) and Middle Income Groups (MIG) of the society, given the projected growth of urbanization & the consequent housing demands in India.

Benefits:
Credit Linked Subsidy Scheme (CLSS) under PMAY makes the home finance affordable as the subsidy provided on the interest component reduces the outflow of the customer on the home loan. The subsidy amount under the scheme largely depends on the category of income that a customer belongs to and the size of the property unit being financed.