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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.
You can apply for our Home Loan through a simple and hassle-free online application:
a. Click on Apply Now button.
b. Enter your personal details
c. Verify mobile number with OTP
d. Select your state and city
e. Click on submit button
Our Home Loan Executive will contact you for next steps to complete your application process
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.In additon to this, you can also trasnfer your home loan running with other financial institutions with PHFL at attractive rates.
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 under section 24 and up to ₹ 1.5 Lakh for principal repayment under section 80 C.
Our home loan offering come with affordable interest rates starting at 8.00% to 22.00% 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, if you are a salaried individual and up to 20 years, if you are a self-employed individual.
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 email@example.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 11.50% 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.
Click on Apply Now Button
Enter your personal details
Verify mobile number with OTP
Select your state and city
Click on submit button
Our Home Loan representative will contact to you for next steps to complete your application process.