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Your Dream Home Awaits: Fincart Home Loans
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ABOUT FINCART
At Fincart, we understand that a home is more than just a place—it’s a dream and an investment in your future. Our home loan services are designed to make your journey to homeownership smooth and hassle-free.
With competitive interest rates, flexible repayment options, and personalized customer service, we cater to both first-time homebuyers and seasoned investors. Our streamlined application process ensures quick approvals, so you can focus on finding the perfect home.
At Fincart, we offer a range of home loan products designed to help you achieve your dream of homeownership. Whether you’re buying your first home, upgrading to a bigger space, or investing in property, our team of experts is here to guide you every step of the way. Trust Fincart to be your reliable partner in achieving your homeownership dreams.
Better Than All: Fincart’s Home Loans
Eligibility Criteria
Home Loan Eligibility
- Minimum age: One must be at least 25 years
- Maximum age: at time of Maturity must 65 years
- Employment Stability: Minimum 1 year in current company.
- Income: Minimum salary of Rs 25,000
Documents for Self-Employed
KYC Documents
- Pan Card
- Aadhar Card
- 2 photographs
Financials
- Last 3 Year ITR
- GST Certificate
- I’d proof (Pan and aadhar)
- 12 months bank statement
- Address proof (Rent agreement if rented)
- Passport size photograph
- Property OC
Property documents
- Sales deed
- Stamped sale agreement/ allotment letter
- NOC from the housing society or builder
- Possession certificate
- Land tax receipt form the land/ land revenue
- Detailed estimation of the construction cost
- Bank account statement or payment receipt
- Occupancy certificate
Home Loan Eligibility
- Minimum age: One must be at least 25 years
- Maximum age: At time of Maturity must 65 years
- Employment Stability: Stable business track record
- Nationality: Indian
Documents for Self Employed
KYC Documents
- Pan Card
- Aadhar Card
- 2 photographs
Financials
- Last 3 Year ITR
- GST Certificate
- 12 months bank statement
- I’d proof (Pan and aadhar)
- Address proof (Rent agreement if rented)
- Passport size photograph
- Property OC
Property documents
- Sales deed, stamped agreement of sale, or allotment letter
- NOC from the housing society or builder
- NOC from the housing society or builder
- Possession certificate and land tax receipt form the land/ land revenue/ revenue department
- Detailed estimation of the construction cost
- Bank account statement or payment receipt detailing payment made to the seller or builder
- Occupancy certificate
Eligibility Criteria of Home Loan
| Segment | Type |
|---|---|
| Salaried Individuals | Government/ Reputed companies |
| Self Employed Professionals | Doctor/ Engineer /CA/CS |
| Latest Form 16/ITR copy/Appointment letter and latest 3 months’ salary slips / Salary Certificate | Business and Individual ITRs and Audited Financials for last 2 years |
Documentation Required for Home Loan
| Individuals | Non-Individuals |
|---|---|
| Application form with photograph | Application form with photograph |
| Valid identity, residence & signature proof | Valid identity, residence & signature proof |
| Latest Form 16/ITR copy/Appointment letter and latest 3 months’ salary slips / Salary Certificate | Business and Individual ITRs and Audited Financials for last 2 years |
Frequently Asked Questions
Individuals who are employed, self-employed, or have a steady income can apply for a home loan. Eligibility criteria may vary based on the lender’s policies.
We offer various types of home loans including fixed loans, floating rate of interest, principle moratorium loans are available
The loan amount depends on various factors including your income, credit score, property value, and existing financial obligations. However, at Fincart there is no minimum or maximum limit.
Yes, you can prepay your home loan either partially or in full. Prepayment terms and any associated charges will be outlined in your loan agreement.
Missing an EMI payment can attract late fees and negatively impact your credit score. If you anticipate difficulty in making a payment, please contact us immediately to discuss potential solutions.
Yes, refinancing options are available. Refinancing allows you to switch to a different loan product or lender to take advantage of better interest rates or loan terms.