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_OUR PROCESS

3 steps to follow

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Apply for loan

Complete your loan application online or in-person, providing all necessary documentation.

Get approved

Once approved, review the loan terms and sign the agreement to finalize the process.

Get your money

Receive the funds directly into your account, ready to use for your home purchase.

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Manage your cash easily

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Features and Types of our Home Loan

Discover a variety of Home Loan Options with flexible terms and competitive rates whether you're buying a dream home or refinancing needs.

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Loan Application

Welcome to GOZLOAN, where we make your home ownership dreams come true with ease and simplicity. This guide will walk you through the process of applying for a home loan, ensuring you understand each step along the way.

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Get Loan

Connect with us to help you take your financial decisions right and smart.

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Features and Types of Home Loan

A vast array of institutions offer you the best home loan rates at the most competitive rates and affordable EMIs.

  1. 1-Home Construction Loan:  If you have a plot of land and lack financial support to construct a home on that piece of property, you may choose a house construction loan. Such borrowing is mainly made to construct or repair a major part of your home.
  2. 2-Home Extension Loan:  Should you already own a home, and feel the need to extend the building, add an annexe, or build another floor, etc., Home Extension Loan is your go-to option that finances such needs.
  3. 3-Home Improvement Loan:  All of us wish to improve and upgrade our homes for a better life. From your old-age furniture, fixtures to faulty lightning systems, Home Improvement Loan funds all your plans.
  4. 4-NRI Home Loan:  If you are a patriot, a Non-Resident Indian, and wish to own residential property in India, NRI Home Loan is your answer. Though the formalities for application may be a little different.

Home Loan Eligibility

The basic home loan eligibility criteria are as follows:

Age: 

  • You must be above 21 years of age at the time of the commencing of your loan, and up to 65 years or less at loan maturity
  • Salaried Person – 21 years to 58 years
  • Self-Employed Person – 25 years to 65 years

Income

  • Salaried Person – Minimum Rs. 10,000 per month
  • Self-Employed Person – Minimum Rs. 2,00,000 per year

Employment

  • Salaried Person – Minimum 2 to 3 years of Experience in MNC, or a Private or Public Limited Company
  • Self-Employed Person – Minimum 3 years of Experience in the current field

Credit Score

  • A credit score of 750 is considered a good score for approval.

Documentation for Home Loan

1. Salaried Individuals

2. Self-Employed Individuals

  1. Form 16
  2. Employee Identity Card
  3. 3 Months Salary Slip
  4. 6 Month Bank Account Statement
  5. Duration of Employment Evidence
  • PAN
  • Trade License
  • Partnership Deed
  • Article of Association
  • Memorandum of Association
  • Import Export Code
  • SEBI Registration Certificate
  • ROC Registration Certificate
  • Financial Statement Audited by CA
  • Profit & Loss Account Statement
  • Balance Sheet
  • 6 Months Bank Account Statement
  • Professional Practice License for Doctors, Consultants, etc
  • Registration Certificate of Establishment for Shops, Factories, and Other Establishments
  • Business Address Proof

3. Documents Required from all Non-Resident Indians (NRIs) Applicants

  • Income Proof Documents for NRI
  • Property Papers
  • Property Documents
  • Sale Deed
  • Stamped Agreement of Sale
  • Allotment Letter
  • No Objection Certificate or NOC
  • Housing Society
  • Builder
  • Possession Certificate
  • Land Tax Receipt
  • Construction Cost Estimate
  • Bank Account Statement of Payment Made to Seller or Builder
  • Payment Receipt of Payment Made to Seller or Builder
  • Incase of resale property share certificate is required
  • Occupancy Certificate
Apply for Home Loan

_FAQ

Frequently asked general questions

Basic eligibility criteria include being a legal adult, having a stable income, a good credit score, and sufficient funds for a down payment. Specific requirements may vary based on the loan type and amount.

Common documents include proof of identity, income verification (pay stubs, tax returns), bank statements, employment history, and details of your current debts and assets.

Common fees include application fees, appraisal fees, credit report fees, origination fees, underwriting fees, title search and insurance, document preparation fees, recording fees, prepaid interest, property taxes, homeowner’s insurance, and possibly private mortgage insurance (PMI).

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_Testimonials

Customer feedbacks

Home Loan Reviews

I was going through a low in my business and was unable to get financial support from lenders. Under these circumstances, Sahil from GOZLOAN suggested me to apply for a top-up home loan and use that money to fund my business. Thanks to the top-up home loan facility that helped my business to survive even in the odds.

SAMYAK SANCHETI

Architect

I took a Home Loan for 20,00,000 from SBI via gozloan. I received a Home loan at a sparkling rate of 7.90%. Being a government employee I was offered low processing fees and other charges were minimal. I am very happy and suggest you check GOZLOAN for the best home loan options

ROHAN GAIKWAD

Dsigner

I got home loan offer from HDFC Limited through Ruloans. Earlier I was choosing some other bank but gozloans facility of comparison helped me with a better choice.The amount was sufficient with tenure period of 15 years. The rate of interest is moderate. I took this loan to buy an apartment. EMI need to pay 36K. Pre closure is applicable but there is locking period of 6 months. Their service is good.

JITENDRA SINGH

PHP Developer

First, I used GOZLOAN emi calculator to check the approximate EMI for a home loan. I found the website very good and then I applied for a home loan with KOTAK bank from here. My loan got approved in 10 days only which is less for a home loan when compared to other home loan providers.

Anderson

Accountant

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