Give a Missed Call for Home Loan 
9977860860
Give a Missed Call for Home Loan 9977860860
Make more room for happiness!
Buying a home is a dream for you. Keeping this in mind, we help you fulfil your dream with our feature-rich Home Loan schemes which are designed for a seamless and pleasant experience.
Home Loan for all your housing needs
Affordable housing loans
Balance transfer
Top-Up loan
Flexible
repayment tenure
Minimum documentation
Attractive interest rates
End-to-end
doorstep service
We understand what it feels like to take the first step towards buying your own dream home. To make your dream more accessible, we provide home loans with simple eligibility criteria, minimum documentation, and a hassle-free application process.
| Salaried Individuals | Self-Employed Individuals | Firm / Company | |
| Eligible Borrowers | Government / Semi government / PSU / Private and MNC companies / Proprietorship or Partnership firms |
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Partnership or Private Limited companies engaged in Manufacturing, Servicing or Trading |
| Age | The minimum age of applicant at the time of loan application should be a 21 years and maximum of 65 years or the retirement age, whichever is lower. | The minimum age of applicant at the time of loan application should be a 21 years and maximum of 65 years or the retirement age, whichever is lower. | The minimum age of Proprietor / Key Partner / Key Director at the time of loan application should be a 25 years and maximum of 65 years or the retirement age, whichever is lower. |
| Income | Net monthly take-home salary should be minimum ₹ 20,000 | Gross annual income should be minimum ₹ 3 Lakh | Annual turnover should be minimum ₹ 10 Lakhs |
| Experience / Vintage | Minimum One year | Minimum Two years in current Business or Profession | Business stability / Vintage of minimum 3 years |
| Citizenship | Individuals with Indian Citizenship | Individuals with Indian Citizenship | Proprietor / Partners / Directors with Indian Citizenship |
| Salaried Individuals | Self-Employed Individuals | Firm / Company | |
| Identity Documents |
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| Address Proof |
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| Income Documents |
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| Bank Account Statement | Latest 6 months’ bank statement evidencing salary credits | Operative bank account statement for last 6 months | Operative bank account statement for last 6 months |
| Property Documents | Property documents along with legal & technical clearance of the property | ||
We make home loans affordable for you with competitive interest rates and completely transparent processing involving no hidden charges. Buying your dream of a home with Poonawalla Housing Finance doesn’t put an extra burden on your finances.
Affordable
interest rate
Foreclosure charges
Processing fee
Other fees and charges
Give your expanding family the space they need, be it for a new bedroom, guest room, balcony/open area, or an increased living space with Poonawalla Housing Finance Home Extension Loan.
We understand a dream home has sweet little corners for each member of the family and their needs. As you grow and prosper in life, your family’s needs for space change too! Our customized Home Extension Loan starting from ₹5 Lakhs is the perfect solution to help you fulfil the requirement of additional space in your existing home.
Now enjoy our completely transparent loan offering at attractive interest rate with the benefits of no hidden charges, minimum documentation, flexible repayment tenure and zero foreclosure charges. That’s not all! Our prompt service ensures you a hassle-free process for quick approval and disbursal of loan.
A home loan is a secured loan/credit option provided for housing purposes like purchase, construction, extension, or renovation of residential property. The loan eligibility largely depends upon several factors like employment, annual income, credit score, and more. Post verification of your eligibility and property documents, the loan is disbursed. Then, your Equated Monthly Instalment (EMI) will start for the availed home loan repayment. A home loan is said to be closed when the principal and interest component is completely paid off by the borrower either until the end of loan tenure or by way of prepayment.
a. You can apply for our Home Loan through a simple and hassle-free online application:
b. You can call us on our Toll-Free Number 1800-266-3204 and talk to our representative for personal assistance.
c. Or you can visit us at our branch near you, click here to locate the address.
We provide home loans starting from ₹ 5 Lakhs onwards.
Yes, you can renovate, modify or make improvements to your house with our Home Loan offering.
With Poonawalla Housing Finance Home Loans, you can do more than just buying a home! We provide loans for self-construction of Bungalows / Independent Houses, purchase of new Houses / Flat / Villas, or for purchases of re-sale Houses / Flats / Villas / Bungalows. You can also avail of our home loan for flat extension/renovation/improvement.
Yes, if you’ve opted for the old tax regime, your home loan is eligible for tax deductions under section 80C. You can claim a deduction of up to ₹ 2 Lakh and up to ₹ 1.5 Lakh for principal repayment.
Our home loan offering come with affordable interest rates starting at 9.55% p.a.
To calculate easy monthly instalments for the home loan amount you want to apply, you can use our simple and effective Home Loan EMI Calculator. All you need to do is enter these 3 important components:
a. Home Loan Amount
b. Loan Repayment Tenure
c. Interest rate
At Poonawalla Housing Finance, we offer you longer loan repayment tenure of up to 30 years.
Yes, to avail of our Home Loan, the applicant must meet the defined age criteria:
There is no stated obligation for the applicant to take property insurance. But it is highly recommended, as buying home loan insurance offers security that covers the loan borrower’s outstanding loan liability if he/she dies during the loan repayment term.
To get your home loan statement or if you have any other query, you can drop an email at customercare@poonawallahousing.com or call us on 1800-266-3204. Our Customer Care support team is just a call away for all your needs with regards to your loan with us.
Yes, we do provide a Top Up Loan to our existing customers, allowing them to borrow a certain amount over and above their existing home loan with the benefit of attractive interest rates and longer tenures.
As we provide Home Loan for salaried individual, self employed individuals and companies, you can check the complete list of documents required as per your applicant category in our Eligibility and Documents section.
We have different eligibility criteria for salaried individuals, self-employed individuals, and firms / companies. To know and understand your eligibility criteria, please refer to our Eligibility and Documents.
To know if you are eligible for Poonawalla Housing Finance Home Loan offering, refer to our Eligibility and Documents. section. You can contact us on our Toll-Free Number 1800-266-3204 or visit our nearest branch for personal assistance.
We provide Home Loan for salaried individuals, self-employed individuals, and companies starting at 9.55% p.a. To know the detailed eligibility criteria as per your applicant category, kindly click and refer our Eligibility and Documents section. You can also enjoy the advantage of lower monthly payments by transferring your outstanding home loan availed from other banks/financial institutions to Poonawalla Housing Finance.
Our Home Loans are designed to cater to a wide range of housing needs of our customers, be it the purchase of residential construction / under-construction projects, extension, or renovation of property. Finance your housing dream with our home loans involving quick processing and unmatched benefits such as:
Yes, you can avail Poonawalla Housing Finance Home Loan with a co-applicant who can be your immediate family member. This helps to make you eligible for a significantly higher loan amount while sharing the loan repayment and availing higher tax benefits.
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Click on submit button
Our Home Loan representative will contact to you for next steps to complete your application process.
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