Home Loan

Home Loan

We help you in availing loans from different Nationalized , Private Banks and NBFC’s at very competitive interest rates.
We also know that while most people dream of owning a perfect home, achieving that goal can be quite a challenge, especially when it comes to arranging the finance required to make such an expensive purchase.
But you can now fulfil this dream by opting for a Home Loan from Disha Secure.

FOR SELF EMPLOYED

For Self Employed Professionals (Tick As applicable)
IT Returns : Last 3 yrs(Income Computation) TDS Certificate/Form 16A/Form 26AS
Audited Balance Sheet &P/L a/c : last 3 years KYC : Photo / Address Proof
Business Address Proof Certificate of practice / Gumasta Registration/ Aadhar Udyog Certificate
Pre- Sanction Charges (Tick As Applicable)
Processing Fees (0.40% of the sanctioned loan amount + GST) or 30,000/- + GST @ 18% whichever is lower  
Title Investigation Report : Rs.4000/- Rs.8000/- for loan amount > Rs.1 Crore Check Details : Bank Name / Cheque No.
Certified Copy of Agreement : Rs. 2500/- For Loan amount above.1 Crore Check Details : Bank Name / Cheque No.
Property Valuation : Rs.2950/- For loan amount above 1 Crore 2950/- + 2950/- = 5900/- Check Details : Bank Name / Cheque No.
Post Sanction Charges(Tick As Applicable)
Franking : 0.30% of sanctioned loan amount Addl.Documentation charges Rs.1400/-
CERSAI Charges Rs.118/-
Notice of Intimation(Registration Office) Rs.15000/- + 1500/-
Property Insurance (Mandatory) As Applicable
Home Loan Insurance-SBI Life Rinn Raksha As Applicable
More Details

● Structural Engineer Report (Rs.2950) will be carried out, if property is older than 15 yrs.
● Only photocopies of documents (self attested) to be submitted for pre-sanction, duly verified by the sourcing official.
● All payments to Bank shall be made via cheques only (A/C payee : State Bank Of India)
● Mandatory submission of personal Assets & Liability Statement duly filled & signed by Applicant & Bank Official : Yes / No

S.NRESALE PROPERTY PAPERSBUILDERS PROPERTY
1Chain of Agreement for sale with Index-II and ReceiptsAgreement of Sale with Index-II
2Copy of O.CCopy of C.C / O.C
3Property Tax Bill & ReceiptsNOC in Bank format
4Copy of maintenance bill & receiptsROC of Project Finance
5Copy of Share CertificateDemand letter with Bank Details
6NOC from society in Bank format 

FOR SALARIED EMPLOYEES

For Salaried Employees (Tick As applicable)
Salary Slips : last 3 months Employee ID
Bank A/C statement (Salary credit)-6 months Relieving letter from previous employer(Service < 2 years)
Form 16 for Last 2 years with part A & B YC : Photo / Address Proof : PAN & AADHAR / OR Registered Lease Agreement
Employer Certificate / Appointment Letter or latest Increment Letter  
Pre- Sanction Charges (Tick As Applicable)
Processing Fees (0.40% of the sanctioned loan amount + GST) or 30,000/- + GST @ 18% whichever is lower  
Title Investigation Report : Rs.4000/- Rs.8000/- for loan amount > Rs.1 Crore Check Details : Bank Name / Cheque No.
Certified Copy of Agreement : Rs. 2500/- For Loan amount above.1 Crore Check Details : Bank Name / Cheque No.
Property Valuation : Rs.2950/- For loan amount above 1 Crore 2950/- + 2950/- = 5900/- Check Details : Bank Name / Cheque No.
Post Sanction Charges(Tick As Applicable)
Franking : 0.30% of sanctioned loan amount Addl.Documentation charges Rs.1400/-
CERSAI Charges Rs.118/-
Notice of Intimation(Registration Office) Rs.15000/- + 1500/-
Property Insurance (Mandatory) As Applicable
Home Loan Insurance-SBI Life Rinn Raksha As Applicable
More details

● Structural Engineer Report (Rs.2950) will be carried out, if property is older than 15 yrs.
● Only photocopies of documents (self attested) to be submitted for pre-sanction, duly verified by the sourcing official.
● All payments to Bank shall be made via cheques only (A/C payee : State Bank Of India)
● Mandatory submission of personal Assets & Liability Statement duly filled & signed by Applicant & Bank Official : Yes / No

 

S.NRESALE PROPERTY PAPERSBUILDERS PROPERTY
1Chain of Agreement for sale with Index-II and ReceiptsAgreement of Sale with Index-II
2Copy of O.CCopy of C.C / O.C
3Property Tax Bill & ReceiptsNOC in Bank format
4Copy of maintenance bill & receiptsROC of Project Finance
5Copy of Share CertificateDemand letter with Bank Details
6NOC from society in Bank format 
  • Minimum charges
    At Disha Secure, we proudly say that we take almost minimum charges or fees from our clients to give them the best of the best loan services.
  • Associated with trustworthy nationalized banks
    Trustworthiness is the major point when it comes to taking a loan, we are associated with nationalized banks like the Bank of India, Central Bank of India, and others.
  • Competitive Interest Rates
    At Disha Secure, we ensure that every loan you get will have lower interest rates so you can have its maximum benefits.
  • Transparent, Timely & Hassle-free Process
    Our loan process is fast, and where you will have to go through an easy process of documentation submission. To increase its efficiency we do it on a timely basis so you can get your loan as early as possible with more transparency.
  • Tax Benefits
    Disha Secure's loan services can enable you to get the best of the best tax benefits.

Without risks, take a step Toward a better life!

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