What is Home Loan
A home loan is a financial product that helps you purchase or construct your dream house without paying the full amount upfront. Instead, the bank or lender provides funds, which you repay through easy monthly installments (EMIs) over a fixed tenure. With competitive interest rates, flexible repayment options, and tax benefits, a home loan makes owning a home affordable and convenient.
HOME LOAN BENEFITS
- Own New Home – Buy or build a house without waiting to save the entire amount
- Affordable EMI’s – Repay comfortably with long tenures and flexible options
- Tax Savings – Get deduction on both pricipal and interst under income Tax laws
- Property Appreciation – Invest in a asset that grows in time
- Balance Transfer – Move your loan to another lender for lower interest and better terms.
- Top-Up Facility – Extra funds available for renovation or personal needs.
- Build Credit Score – Regular repayment strengthens your financial profile.
WHY GETMY LOAN FOR YOUR HOME LOAN
Home Loan Features
At GetMyLoan, we make home ownership simple and stress-free. Backed by KrystalOne, we offer competitive interest rates, quick approvals, and flexible repayment options tailored to your needs. With expert guidance, transparent processes, and doorstep support, we ensure your journey to owning your dream home is smooth and hassle-free.
Click HereEligibility
To apply for a loan, you need to meet the following criteria:
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Age: 21–60 years (salaried) / up to 65 years (self-employed) -
Employment: Salaried with a stable job OR self-employed with a proven business track record -
Income: Regular monthly income from salary, business, or profession -
Credit Score: 650+ CIBIL score preferred -
Residency: Must be a resident of India
Document required for Home Loan
Salaried / Self Employee
Yes
- PAN
- Voter ID
- Passport
- Driving Licence
- Aadhar Card
- Passport
- Voter ID
- Driving Licence
- Aadhar Card
- Salary Slip/Certificate
- Form 16/ITR
- Bank Statement
Frequently asked Ques’s
Any salaried, self-employed, or business individual with valid income proof can apply.
You need ID proof, address proof, income proof (salary slips/ITR/bank statements), and business proof (if self-employed).
It depends on your income, credit score, repayment capacity, and lender’s policy.
EMI is based on loan amount, interest rate, and tenure. You can use our EMI Calculator for quick results.
With proper documentation, approvals usually take 24–48 hours.
Collateral is required for secured loans like home loans
Yes, most banks allow it. Some may charge a nominal prepayment/foreclosure fee.
