Home Loan

Turn Your Dream Home into Reality with Partibha Finance

Owning a home is one of life’s biggest milestones, and at Partibha Finance, we make it easier, faster, and more affordable for you. Whether you're looking to buy a new home, construct a house, renovate an existing property, or transfer your existing loan for better benefits, our home loan solutions are tailored to meet your needs. With low-interest rates, flexible repayment options, and quick approvals, we help you take the next step toward homeownership with ease.

Why Choose Partibha Finance for Your Home Loan?

• Competitive Interest Rates – We offer some of the lowest home loan interest rates to make your EMIs affordable.
• Flexible Loan Tenure – Choose a repayment plan ranging from 5 to 30 years as per your financial stability.
• Quick Loan Processing – Minimal paperwork and a fast approval process so you don’t have to wait.
• High Loan Amounts – Get up to 90% of the property's value financed, depending on eligibility.
• Balance Transfer Facility – Already have a home loan? Switch to Partibha Finance for lower interest rates and better terms.
• Pre-approved Home Loans – For eligible customers, we provide pre-approved home loans for faster disbursal.
• No Hidden Charges –We maintain complete transparency in fees and charges, ensuring no surprises.

Types of Home Loans We Offer

• New Home Purchase Loan – Buy your dream home with easy financing options.
• Home Construction Loan – Build your own house with tailored financing solutions.
• Home Renovation Loan – Upgrade and renovate your home without financial burden.
• Plot Purchase Loan – Planning to buy land for future construction? We finance your plot purchase too!.
• Balance Transfer Home Loan – Lower your EMI burden by transferring your existing home loan to us at a lower interest rate.
• Top-Up Home Loan – Need additional funds while having an existing home loan? Get a top-up loan at affordable rates.

Who Can Apply for a Home Loan?

• Salaried Individuals – Employees of private or government organizations.
• Self-Employed Professionals – Business owners, entrepreneurs, and professionals like doctors, CA, etc.
• NRIs (Non-Resident Indians) – Individuals working abroad who wish to invest in property in India.
• Partnership Firms & Private Limited Companies – Entities looking for financing to construct or purchase property.

Eligibility Criteria for a Home Loan

To ensure a smooth loan process, here’s what you need to qualify:

• Age: 21 to 65 years at the time of loan maturity.
• Employment Stability: Minimum 1 year for salaried individuals and 3 years for self-employed.
• Credit Score: A healthy CIBIL score (usually 700+) improves approval chances.
• Income Criteria: Minimum income requirement based on city and property value.
• Property Value: The loan amount depends on the property’s market price and eligibility.

Documents Required for Home Loan

• Identity Proof – Aadhaar Card, PAN Card, Passport, Voter ID.
• Address Proof – Utility Bill, Rental Agreement, Driving License.
• Income Proof – Salary slips (last 3 months), ITR (for self-employed), Bank Statements (last 6-12 months).
• Employment Proof – Offer letter, Business Registration, GST details (if applicable).
• Property Documents – Sale Agreement, Title Deed, Property Tax Receipts, Construction Plan.

How to Apply for a Home Loan?

• Fill Out the Online Application Form – Apply quickly at partibhafinanceservices.com.
• Submit Required Documents – Provide necessary details for verification.
• Loan Processing & Approval – We review and approve loans within a few working days.
• Loan Disbursement – Once approved, funds are transferred directly to your account.

Home Loan EMI Calculator

Curious about your EMI? Use our Home Loan EMI Calculator to estimate your monthly installments based on:

• Loan Amount
• Interest Rate
• Loan Tenure

Simply enter the details, and our calculator will give you an instant estimate of your EMI.

Tips to Increase Home Loan Eligibility

• Maintain a good credit score (700+).
• Choose a longer tenure for lower EMIs.
• Add a co-applicant (spouse, family member) to enhance loan eligibility.
• Reduce existing liabilities like credit card debt or personal loans before applying.
• Declare additional income sources (bonuses, rental income) to strengthen your profile.