Loan Products

Home Purchase Loan

LOAN SPIRIT come to you on the solid foundation of trust and transparency built in the tradition . It includes options for purchase of ready built property, purchase of under construction property, purchase of pre-owned homes, Purchase of Plot, Plot + Construction of a House, construction of a house, extension of house and repair/renovation.

Eligibility Criteria

  • Age: 21-65 years
  • Employment: Salaried or self-employed
  • Minimum income: ₹15000  per month/year
  • Credit Score: 700+

Features

  • Loan amount up to 15 cr
  • Flexible repayment tenure up to 30 years
  • Quick processing and disbursal

Fees

  • Processing fee :  0.25% of the loan amount
  • Prepayment charges :Nil
  • Late payment charges : No

Documents Required

  • Identity proof (Aadhaar, PAN)
  • Address proof (Utility bills, Rental agreement)
  • Income proof (Salary slips, ITR)
  • Property documents
  • Bank statements (last 6 months)

Plot Purchase + Construction Loan

Eligibility Criteria

  • Age: 21-65 years
  • Employment: Salaried or self-employed
  • Minimum income: ₹25000  per month/year
  • Credit Score: 700+

Features

  • Loan amount up to 25 cr
  • Flexible repayment tenure up to 30 years
  • Quick processing and disbursal
  • Financing for both plot purchase and construction

Fees

  • Processing fee:  0.25% of the loan amount
  • Prepayment charges: Nil
  • Late payment charges: No

Documents Required

  • Identity proof (Aadhaar, PAN)
  • Address proof (Utility bills, Rental agreement)
  • Income proof (Salary slips, ITR)
  • Property documents
  • Bank statements (last 6 months)
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