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Finance Options

  • PURPOSE
    For construction, purchase / repair / renovation / alteration of a house or for purchase of a plot for the construction of a house.
  • ELIGIBLE GROUP
    All Resident / Non-Resident Indians with a regular monthly income
    Spouses of Non-Residents, who are residents and receiving regular monthly income.
    Salaried persons, self employed businessmen, professionals and agriculturists, who have regular monthly income and who have a minimum of three years of standing / experience in their line of activity.
    The age should be such that the borrower is able to close the account before he attains the age of 70.
  • LOAN ELIGIBILITY

    Individual’s Over 18 years of age with steady source of income .
    Conditions Apply*

  • MARGIN AMOUNT

    upto 15% to 20% This may vary as per R.B.I norms

  • LOAN DISBURSEMENT
    As per the construction / bank loan agreement. The loan will be disbursed as per the construction stages.
  • REPAYMENT

    Maximum 30 years .
    Conditions Apply*

  • SECURITY
    Mortgage of property by deposit of title deeds.
  • PROCESSING CHARGES
    This may vary as per bank norms.
  • INSURANCE
    Insurance is to be arranged for the total cost of building.
  • PAPERS TO BE SUBMITTED TO BANK
    PROOF OF INCOME
    In case of salaried persons: 

    • Salary certificate showing deductions.
    • Authorisation to deduct monthly installments from the salary of employee for credit of the loan account

    wherever available.
    In the case of self employed / professional / business men.
    Audited accounts and Balance Sheets/income tax assessment orders/Returns/Memo/Statements of computation of taxable income filed for the last 3 years.

    NOTE: After the sale deed is executed, the original deed along with fresh encumbrance certificate and possession certificate should be submitted. After availing the loan, encumbrance certificate for four months after the date of mortgage is to be produced.

  • FINANCIAL ASSISTANCE
    A home of your own need not be a Farfetched reality. With the uptrend in the home loan segment, availing housing loans has become easier with minimal procedures. Haritha Homes  shall assist in availing loans from leading financial institutions with your minimal involvement (subject to the conditions specified by the institutions).