Home Loan

"Get affordable home loans with Rupeekart Services Pvt Ltd. Compare top bank offers, enjoy quick approval, minimal documentation, and expert loan assistance to make your dream home a reality."

Home Loan Overview — Rupeekart Services Pvt Ltd

What We Offer

Rupeekart is a financial services firm that acts as a loan distribution / intermediary (or NBFC liaison) that connects borrowers with banks and housing finance institutions. rupeekartloans.com
We facilitate Home Loans (along with other products like Loan Against Property, Business Loans, Personal Loans, Car Loans). rupeekartloans.com

As a distributor rather than original lender, we help you compare offers, handle documentation, and submit your application to one or more lending partners. rupeekartloans.com

Key Features & Benefits

Eligibility & Documents (Typical)

While the exact criteria depend on the lending bank / HFI, here are general guidelines:

• Age: Usually between 21 and 65 (or retirement age of borrower)

• Income / Employment: Salaried or self-employed with stable income

• Credit Score / Credit History: Preferably good CIBIL / credit bureau score

• Property Details: Clear title, compliance with building regulations, legal documents of property

• Documents (common):
   • Proof of identity (Aadhar, PAN, Passport, etc.)
   • Proof of address (utility bills, Aadhaar, etc.)
   • Income proofs (salary slips, bank statements, ITR, business financials)
   • Property documents (sale deed, title, site plan, building approval, NOC)
   • Other documents as required by the lending institution

Loan Amount, Tenure & Interest Rates

• Loan Amount: Depends on the property value, borrower’s repayment capacity, and bank’s LTV (Loan to Value) norms

• Tenure: Typically up to 20–30 years (varies by lender)

• Interest Rates: Vary by bank / housing finance company and depend on borrower profile, market conditions, and type (fixed, floating)

We assist in matching you to lenders with competitive interest rates based on your profile.

Application Workflow (What You’ll Experience)

1. Initial Enquiry / Pre-Qualification
   You share basic details (income, property, loan amount) and we provisionally check your eligibility.

2. Document Submission
   You submit required documents either physically or digitally.

3. Property & Title Verification
   The lending partner will carry out legal checks, valuation, title search, etc.

4. Sanction & Offer Letter
   Once approved, you receive a sanction letter specifying terms (loan amount, rate, tenure, fees).

5. Disbursement
   After you accept, funds are disbursed (sometimes in stages) to seller or your account.

6. Repayment / EMI
   You begin repayment (EMIs) per agreed schedule until loan closure.

Costs & Charges

• Processing Fee: Some lenders charge a fee (flat or % of loan)

• Stamp Duty / Registration: On the agreement, borne by borrower

• Legal / Valuation Charges: For property inspection and legal checks

• Prepayment / Foreclosure Charges: Depends on lender’s policy

• Late Payment Penalties: If EMI is delayed or missed

We will transparently disclose all foreseeable charges before you commit.

Risks & Safeguards

• If you default on EMIs, the lender has the right to initiate legal recovery and foreclosure proceedings on the property.

• Property title / documentation issues may delay or reject loan approval.

• Your interest rate (if floating) can increase over time depending on market / base rate.

• Always verify that the offer letter and agreement terms match what was promised during the sale.

• Use of a reliable intermediary (like Rupeekart) helps you avoid fine print surprises and gives you a smoother path.

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