Anand: +91 7090691357 Shivraj: +91 9916747576 anand@loansmitrasolutions.com shivraj@loansmitrasolutions.com
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Rates Starting @ 8.35% p.a.

House Purchase Loan

Purchase your dream independent house, villa, or resale apartment in Bengaluru with competitive interest rates and long repayment tenures.

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Service Overview & Key Benefits

House Purchase Loans cover both newly built residential units and pre-owned resale houses across Bengaluru Urban & Rural districts with complete title validation.

Key Product Highlights

  • Funding up to 90% of Agreement Value
  • Special Rate Discounts for Co-applicants
  • Fast Doorstep Processing
  • Doorstep Assistance for Registration

Karnataka Regulatory Assurance

Loansmitra Solutions assists borrowers in navigating Karnataka specific legal requirements including BBMP e-Khata (Form A & B), Kaveri 2.0 Encumbrance Certificates (EC), and statutory MODT (Memorandum of Deposit of Title Deeds) charges.

Eligibility Parameters (Age, CIBIL & FOIR)

Banks evaluate loan approval based on three primary credit parameters: CIBIL score, Fixed Obligation to Income Ratio (FOIR), and applicant age limits.

Target CIBIL Score
730+ Preferred
Max FOIR Limit
Up to 60%
Applicant Age
21 to 65 Years

Understanding FOIR in Bengaluru:

FOIR measures your existing EMI obligations against your total monthly net salary or business cash flows. Our experts at Loansmitra Solutions assist in optimizing your FOIR by combining co-applicant income (spouse/parents) to qualify for maximum loan eligibility.

Required Documentation Checklist

Keep the following KYC, financial, and property documents ready for doorstep collection by our Bengaluru team:

  • KYC: Aadhaar & PAN Card
  • 3 Months Payslips / 2 Years ITR
  • 6 Months Bank Statements
  • Seller Sale Deed Copy, Mother Deed & Latest Tax Paid Receipt
  • BBMP e-Khata & Kaveri 2.0 Encumbrance Certificate
Karnataka Property Note: For properties within BBMP limits, e-Khata certificate (Form A) generated from the e-Aasthi portal is mandatory for all top PSU & private bank home loan disbursements.

Seamless 5-Step Loan Sanction Workflow

1
Financial Cashflow Audit
2
Property Legal Verification
3
Bank Sanction Approval
4
MODT Signing & Seller Disbursement

Apply for House Purchase Loan

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