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Shubham Housing Finance Home Loan

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Product Rating

4.7 /5

Total - 531 ratings

5
386
4
126
3
14
2
5
1
0

ROI

11.90% to 16%.

Loan Amount

Upto 50 lacs

Repayment Tenure

25 years

Property value consideration

Upto 80%

Location

Cities where the office of Shubham Housing Finance is situated.

Repayment Options

EMI amount can be paid through Electronic Clearing Services (ECS) and the National Automated Clearing House (NACH).

With an aim to empower and provide Home Loans to those with low income Shubham Housing Finance has been pioneering in India. It is one of the first companies in India to provide customized credit programs for every borrower instead of document-based underwriting. Customers are given step-by-step instructions on determining the affordability of their EMIs and official housing financing procedures.

Shubham Housing Finance Company has served more than 8700 satisfied clients and has more than 80 branches in 78 cities. You won't have to worry about any of the typical difficulties involved in purchasing and financing a house when you have a pioneer in the home loan industry like Shubham Housing Finance on your side.

For a concise view, let’s have a look at the table:

ROI

11.90% to 16%.

Loan Amount

Upto 50 lacs

Repayment Tenure

25 years

Property value consideration

Upto 80%

Location

Cities where the office of Shubham Housing Finance is situated.

Repayment Options

EMI amount can be paid through Electronic Clearing Services (ECS) and the National Automated Clearing House (NACH).


Purpose of Home Loan

You can take a Home Loan for the following purposes:

    • For purchasing a new or old house/flat.

    • Purchase of new plot along with constructing a house on your own.

    • Constructing a home on an already owned plot.

    • Home extension to add a room, build extra space, or add an additional floor to your already existing property.

    • Loan transfer.

Benefits of Home Loan from Shubham Housing Finance

    • Our process is 100% efficient and hassle-free

    • Loan can be processed quickly with less documentation

    • Can avail of long tenure loans

    • Can opt for customizable EMI's

    • Low processing fees

    • No prepayment penalties

    • Easy home loan balance transfer

    • Transparent application process

    • Flexible repayment options

Documents Required

    Every individual need to present the standard KYC documents along with duly filled application forms to get started:

    • Application form with all required details filled in.

    • Identity proof such as Pan Card, Voters ID Card, Passport.

    • Address proof such as electricity bill, ration card.

    • Income proof documents, if available.

    • Bank pass book or Bank Statements.

    • Property documents, if the property is identified.

Eligibility Criteria

    The criteria you must meet when applying for a house or housing loan are known as home loan eligibility criteria. Before submitting an application for a loan, you must confirm that you fall under the below criteria:

    • Customer should be more than 21 years of age but not more than 65 years at the time of loan maturity.

    • Borrower should have a bank account.

    • Borrower should reside in a city where Shubham’s Office is located.

    • No guarantor required.

    • All the owners of the property being financed and all individuals whose income has been considered for the loan have to be the co-applicants to the loan.


FREQUENTLY ASKED QUESTIONS

Have a question? We've got answers!

Yes, you can get a Home Loan to construct a new floor on the existing property.

If you meet the eligibility criteria of Shubham Housing Finance, then you can easily get a Home Loan.

EMI amount can be paid through Electronic Clearing Services (ECS) and the National Automated Clearing House (NACH).

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