Turn Your Dream Home Into Reality With Loansmart
Buying a home is a big milestone — emotionally and financially. At Loansmart, we help you secure the best home loan options with lower interest rates, flexible tenures and fast disbursal so you can own your space without stress.
Whether you are purchasing a new home, constructing on your plot, transferring an existing loan, or planning to renovate — we guide you through the entire process with transparency and smart planning.
⭐ Why Choose Loansmart for Home Loans?
| Benefit | What You Get |
|---|---|
| Lowest Home Loan Interest Rates | Starting from competitive market rates with special offers for eligible profiles. |
| Flexible Repayment Tenure | Up to 30 years repayment period based on eligibility. |
| High Loan Amounts | Funding based on income, property value & financial capacity. |
| Balance Transfer Option | Reduce EMI by shifting your current loan to a lower rate. |
| End-to-End Support | Documentation to sanction — we manage it for you. |
| PAN India Service | We serve customers across India, fully digital processing. |
We simplify the loan journey — you focus on choosing your dream home.
🏡 Types of Home Loans We Offer
1. New Home Purchase Loans
Finance your new apartment, villa, or independent property with easy EMIs.
2. Home Loan Balance Transfer
Already paying a high-interest EMI? Shift to a cheaper plan and save more monthly.
3. Plot + Construction Loans
Purchase land & build your home step-by-step with staged disbursal options.
4. Home Renovation Loans
Upgrade interiors, flooring, kitchen, painting & more — without breaking savings.
5. Top-Up Loans
Need extra funds on your existing home loan? Get additional top-up at attractive rates.
📄 Eligibility Criteria
| Requirement | Details |
|---|---|
| Age | 23 – 65 years (varies by bank) |
| Income | Stable salaried or self-employed income |
| CIBIL Score | Preferably 700+ for best offers |
| Employment History | 2+ years advisable (salaried)/3+ years in business |
| Property Documents | Clear title & property approval required |
Eligibility differs by bank — we help you understand and qualify better.
📑 Documents Required
For Salaried Applicants
Aadhaar & PAN
Salary slips (last 3–6 months)
Bank statements (6 months)
Employment proof/Form 16
Property papers
For Self-Employed Applicants
Aadhaar & PAN
GST / ITR (2–3 years)
Business financial statements
Bank statements (12 months)
Property documents & approvals
We support with full document guidance + bank checklist.
💰 Interest Rates & Charges
Interest varies based on:
✔ CIBIL Score
✔ Income & Job Stability
✔ Property Type & Location
✔ Banking Partner Policies
We compare lenders like HDFC, ICICI, Axis, Kotak & NBFCs to get you the best deal for your profile.
🔥 How We Make It Easy
Simple 3-Step Process
1️⃣ Share your requirement
We check eligibility & suggest the right bank options.
2️⃣ Submit documents
Our team handles verification and paperwork end-to-end.
3️⃣ Loan approval & disbursal
Funds get released — you move one step closer to your dream home.
❓ Home Loan FAQs
1. What is the minimum down payment required?
Usually 10%–25% of property value depending on bank & profile.
2. Can I get a joint home loan?
Yes — applying with spouse/parents increases eligibility & loan amount.
3. Do you offer Pre-Approval?
Yes — we provide quick pre-approval based on income & documents.
4. Can I get a loan with a low CIBIL score?
Approval is possible but interest may be higher. We guide you to improve approval chances.
5. How much loan can I get?
Depends on salary/income, credit history, and property valuation.
📞 Ready to Own Your Home?
Let us help you get the best interest rates, faster approvals & smooth processing.
📞 Call / WhatsApp: +91 9538009991
📩 Email: loansmartfinex@gmail.com
