DCT Multiservices LLP - Your Trusted Financial Partner
Office no 101,102 1st Floor,Mittal chamber building , jm road Shivaji Nagar 411005
manasbaranwal@gmail.com +91 8600143860

Home Loan

Your Journey to Home Ownership

The Ideal Mortgage Solution for Your New Property Purchase

We provide comprehensive Home Loan services to finance the purchase of ready-to-move or under-construction flats, row houses, and bungalows from approved developers. Our loans feature competitive interest rates and flexible, long-term repayment options.

  • Finance for New Property Purchases (Ready/Under Construction).
  • Construction Finance options are also available.
  • Loan-to-Value (LTV) typically up to 80% of the property cost.
  • Long repayment tenures up to 25 years or more.
Expert Legal & Technical Advisory
Clear, Marketable Title Verification
Fixed, Floating, and Hybrid Rates
Tax Benefits on Principal & Interest
Home loan application and documents

Home Loan Inquiry Form

Provide details about your proposed property and financial status for an accurate eligibility assessment.

Key Features and Benefits of Our Home Loans

Our Home Loan products are designed to be flexible, transparent, and affordable.

Affordable Interest Rates

We offer highly competitive interest rates, with options for Fixed, Floating, and Hybrid rate structures to suit your financial planning.

Long Repayment Tenure

Maximize affordability with extended repayment options, allowing for loan tenures of up to 25 to 30 years, subject to applicant age and profile.

High Loan-to-Value (LTV)

Receive financing for up to 80% of the property's market value, reducing your initial capital outflow for the purchase.

No Hidden Charges

We ensure complete transparency with no hidden charges, and offer schemes with zero foreclosure or pre-part payment penalties.

Key Eligibility Factors for Home Loans

Your loan eligibility and quantum are determined by a combination of personal, financial, and property-related factors.

Primary Eligibility Determinants
  • Income & Repayment Capacity: Net income, existing liabilities (other EMIs), and stability of income source.
  • Age & Tenure: Age at application and at loan maturity (usually restricted by retirement age).
  • Credit History: A good credit score is essential for favorable rates and approval.
  • Co-Applicant Requirement: All property owners must be co-applicants for the loan.
Property-Specific Criteria
  • Property Location: Location and minimum area norms of the flat/property may apply.
  • Title Clearance: Property must have a clear, marketable title, free from encumbrance or disputes.
  • Legal & Technical Appraisal: Banks conduct mandatory legal and technical valuations of the property.
  • Builder Reputation: Properties by pre-approved builders often receive faster approvals.

Mandatory Documentation for Home Loan

Please prepare the following documents, categorized by applicant type, in addition to the property and KYC documents.

Financials for Salaried Applicants
  • Latest 3 months Company Certified Salary Slips.
  • Latest 3 years Form No. 16 (Company certified).
  • Latest 3 years Income Tax Returns (ITR).
  • Latest 6 to 12 months Bank Statements.
Financials for Self-Employed Applicants
  • Certified Financial Statements for the last 3 financial years.
  • Business and Personal Profile details.
  • Copy of Partnership Deed/MOA & AA (as applicable).
  • Latest 6 to 12 months Bank Statements (Personal & Business).
In addition to the above, all applicants must submit KYC documents (ID, Address Proof) and the complete legal/title documents for the property being financed.

Frequently Asked Questions (FAQs) about Home Loans

Pre-EMI interest is the interest paid on the part of the loan that has been disbursed (e.g., for an under-construction property), before the full loan amount is released. You start repaying the full Equated Monthly Installment (EMI) only after the final or full disbursement of the loan. Pre-EMI is paid monthly until the EMI commencement date.

Yes. Home Loan borrowers are generally eligible for tax benefits on both the principal component (under Section 80C) and the interest component (under Section 24) of the loan under the Income Tax Act, 1961. The specific limits and rules can change annually, so consulting a tax professional or our Loan Counselor is recommended.

The primary security for a Home Loan is the property being financed itself. The bank will place a security interest (mortgage) on the property. It is critical that the property's title is clear, marketable, and free from any legal encumbrance (claims or charges due to liabilities).

Yes, most banks allow you to repay the loan ahead of schedule by making lump-sum payments towards part or full pre-payment (foreclosure). Additionally, some lenders offer 'Accelerated Repayment Schemes' which allow you to increase your EMI periodically, significantly reducing the total interest paid and loan tenure.
DCT Multiservices LLP - Your Trusted Financial Partner

Our Office

Office no 101,102 first floor Mittal chamber building near Panchali hotel jm road Shivaji Nagar 411005

+91 8600143860

+91 7030143860

manasbaranwal@gmail.com

sales@dctfinmultiservices.com

backoffice@dctfinmultiservices.com

manas@dctfinmultiservices.com

Services

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