Home Loan in Gurgaon

Gurgaon is known as the commercial capital of India, after Mumbai. Situated in proximity to the national capital, this city is not just a corporate hub, but also has historic significance. Buying a house in this city of dreams is not something everyone can afford, but with the right home loan, things can become quite sustainable. If you or someone you know is looking for a home loan in Gurgaon, Piramal Capital and Housing Finance offers you affordable and hassle-free options.

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Highlighting features and benefits: Home Loan in Gurgaon

Here are some of the key features and benefits that you should know about a home loan in Delhi.

  1. Easy to apply

  2. Just fill in the application form and submit the required documents, and soon the relationship manager will start the loan process.

  3. Flexible loan amounts and tenures

  4. Home loans also allow you a lot of freedom and flexibility when you choose the loan amount as well as the tenure of the loan. From 5 to 30 years, pick a term that best suits your requirements.

  5. Easy eligibility criteria

  6. The eligibility norms set by PCHF make it very easy to apply for a home loan in Gurgaon. You can take a loan for the purchase, construction and even renovating your house.

  7. Affordable rates

  8. You have the choice to opt for a floating or a fixed rate of interest for a fixed period of time. During this tenure you can repay your loan in easy instalments also called EMIs. Piramal Capital and Housing Finance offers finance that can go up to 90% of the value of the property.

  9. Loans for all

  10. Whether you are a salaried employee, or a business owner or a self-employed person, all aspiring individuals can apply for home loans.

  11. Tax benefits

  12. Under Section 80C of the Income Tax Act, 1961, you can claim a deduction of INR 1.5 lakhs on your housing loan.

    Eligibility Criteria for Home Loan in Gurgaon

    When you follow the company guidelines the application processes smoothly. Let us take a look at the eligibility criteria, which is different for self-employed and salaried persons:

  1. Self-Employed People

  • Age

    To apply for home loans, you need to be between 23 to 70 years of age.

  • Type of Employment
    Self-employed doctors, CA, business owners, partners in a firm, proprietors, can apply for a home loan.
  1. Salaried People

  • Age
  • You need to be a minimum of 21 years. In case you are a government employee who has a pensionable job, you can apply for a home loan till the time you turn 70. In case you are a private employee, you are eligible up to the age of 62 years.
  • Type of Employment You need to be an employee in a government organisation/ public company/private limited company/ public sector company/ MNC/ NGO/ Trust/ Individual or HUF proprietor.

Documentation

    To ease the process, PCHF requires minimal documentation from the applicants, these include:

  • Salary statements
  • ITR of last 2 years with computation or CA audited financials
  • Last 6 months’ bank statement
  • Form 16
  • KYC documents
  • Documents related to the property being offered as collateral

The Takeaway

When planning to take on a home loan in Gurgaon, Piramal Capital and Housing Finance offers you an easy-to-understand application process. It keeps a team dedicated to your concerns and queries. While you might be consumed with thoughts regarding moving to Gurgaon or you might plan on buying a home in this commercial hub, We want to make the process simpler for you. Flexible repayment options, affordable premiums and peace of mind are some advantages that you can enjoy while seeing your dream house turn into a reality.