Home Loan

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Home Loan

To make your home loan journey a smooth sail, in this article we will help you to know eligibility criteria, rates of interest, process, necessary documents, comparison and transfer for lowest rates.

A home loan is an amount of money that an individual borrows from a bank or money lending company at a certain rate of interest to be paid with the EMI every month.

The property can either be commercial or personal in nature.
When the borrower cannot pay the dues, the lender will possess all the legal rights to recover the outstanding loan amount by sale of the property in question.

 

Get financing for whatever you need now

Home Conversion

A home conversion loan is a scheme for those who have already taken a housing loan. This loan follow some rules and regulations.It is a part of loan.

New Home

New Home Loan at basic interest rates from Uma Financial service. You can apply online and check your eligibility and easy EMI. Fast Approval for your new home loan.

Land Purchase

Uma Financial service Loan offers home loan for land purchase to make your dream home. You can compare home loan rates with our compare loan table. Apply online for Home Loan.

Home Renovation

Get instant approval for renovation your home. Uma Financial service introduce home improvement loan. It is with basic rate and flexible EMI repayment.For more detail you can check our loan products.

Eligibility

Age should be minimum 21 maximum 60.

Minimum Net Monthly Income: Rs 15,000

Applicant should have the bank specified credit score.

Basic Documents For Any Loan

Salaried

•Adhar Card
• Pan Card
• Election Card
• Passport
•Driving License. Etc

• 3 Month Salary Slip
• Salary Certificate
• Job Id Card.

• 6 Month Bank Bank Account Statement

Term's & Condition's

•Adhar Card
• Pan Card
• Election Card
• Passport
•Driving License. Etc

• 3 Year Income Tex
Return.
• G.S.T. & G.S.T. Return
• Shop Act License

• 1 Year Bank Account Statement

Basic Documents For Any Loan

Builder Purchase

1. Applicant & Co. Applicant’s Basic Document’s .
2. Kyc, Income Proof, Banking.
3. 2 passport Size Photograph.
4. Latest Light Bill Or Rent Agreement.
5. Builder’s Master File.
✓ Register Map.
✓ NA Permeation.
✓ Construction Permeation.
✓ Property Dastavej, R.R. , Index-2.

Note: -1) If Customer Already Have Any Loan
With Any other Bank then – All
Loan’s Repayment Track Required.
Note :- 2) Cash Salaried Customer Also Able to
Avail Home Loan.

Resale Purchase

1. Applicant & Co. Applicant ‘s Basic Document’s.
2. 2 Passport Size Photograph.
3. Latest Light Bill Or Rent Agreement.
4. 1st Party Dastavej.
5. Registration Recip.
6. Index-2.
7. City Survey Copy.
8. Tex Recip.
9. Register Map.
10. NA Permeation.
11. Construction Permeation.

If Customer Property is Located In Grampanchayat.
Then
1. Akarni
2. Tex recip.(vera pavti.)
3. Citysurvey
4. 4 Boundrys ( Chatursima No Dakhlo).
5. No Due Certificate.
6. Gam Thal Certificate.
7. City Survey Map.

Seller Bt Top Up

1. Buyers Basic Documents(Kyc,Income Proof , Banking As per Customer Profile) & Passport Size Photograph.
2. Seller’s Kyc , Photo & Bank Passbook Photo Copy.
3. Property Documents.(Dastavej , Index2, City Survey Copy, Regi. Rec. , Approved Map, Construction Permeation, NA.,)
4. Loan Track Record.
5. List Of Documents.
6. 2 Cheq.
7. If Buyer Have Any Loan With Any Bank or Finance Then Ask For Loan Track Record.

Self Construction

1. Basic Documents(Kyc, Income Proof , Banking As per Customer Profile) & Passport Size Photograph.
2. Property Documents
• If Customer Have Dastavej. Dastavej , Index-2, R.R. , Map, Construction Permeation, Map, Estimate, NA, City Survey Record.
• If Customer Have Akarani.
Akarni Patrak , Tex Receipt, City Survey, Construction Permeation, Map, GamThal Certificate, No Due Certificate,
4 Boundry’s Certificate.