ਹੋਮ ਲੋਨ ਦਸਤਾਵੇਜ਼ ਦੀ ਲੋੜ

No. Submission of minimum mandatory documents is required for KYC verification and income assessment. Applications without a valid identity and address cannot be processed. However, we can provide you with a home loan if you do not have an ITR.

Our home loan interest rates start from 9% p.a.* The final interest rate depends on factors such as your credit profile, income stability, loan amount, tenure, and property details. All charges are transparent, with no hidden costs.

Grihum offers a wide range of housing finance solutions, including:

• Home Loans for new or resale properties
• Home Construction Loans
• ਪ੍ਰਾਪਰਟੀ ਤੇ ਲੋਨ
• Home Extension Loans
• Home Improvement / Renovation Loans
• Balance Transfer and Top-Up Loans

No. Property title and legal documents are mandatory. We conduct thorough legal and technical due diligence to verify ownership, approvals, and property compliance before loan disbursement.

Self-employed applicants are required to submit ITRs for the last 2 years along with financial statements. However, Grihum can provide a loan even if you do not have ITR.

Salaried applicants are typically required to submit salary slips for the last 3 months to demonstrate income continuity.

Form 16 for the past 2 years is generally required for salaried applicants as part of income verification, along with salary slips and bank statements.

Yes. A registered sale agreement or title deed of the property is mandatory. Loan disbursement is subject to completion of legal and technical checks on the property.

Yes. Self-employed individuals, including business owners and freelancers, can apply for a home loan. They must provide income proof, such as ITRs, financial statements, and business documents, to demonstrate stable earnings.

Missing or incomplete documents can delay or impact home loan approval. Since lenders verify every detail, it is advisable to keep all required documents ready in advance for a smooth, faster, and hassle-free loan process.