Housing Loan Assistance Services
Make your dream home a reality. We help you navigate complex housing loan processes, compare bank rates, and secure the most suitable financing options.
Check Your EligibilityMake Your Dream Home a Reality
Purchasing a home is one of life's biggest financial decisions. Navigating interest rates, processing fees, and LTV ratios across different banks can be overwhelming.
As a premier advisory firm, Sahyog Tax & Advisory goes beyond just submitting a loan application. We meticulously analyze your financial profile, match you with the right bank or NBFC, and structure your loan to maximize your income tax deductions. From negotiating the lowest competitive interest rates to managing property valuation and legal documentation, we stand by your side until the final disbursement.
Consult Our Finance AdvisorsHome Loan Tax Benefits (IT Act)
Who Do We Assist?
Our Home Loan Solutions
Home Purchase Loans
Financing for buying a new or pre-owned residential property, apartment, or villa. We help you secure the highest Loan-to-Value (LTV) ratio available.
Construction Loans
Specific funding for constructing a house on a plot you already own. Disbursements are systematically linked to the stages of your construction.
Plot + Construction Loans
Composite loans that provide capital first to purchase a residential plot, and subsequently to fund the construction of the house on that plot.
Balance Transfers
Transfer your existing high-interest home loan to a new bank offering a lower interest rate, significantly reducing your EMI and total interest outflow.
Home Improvement Loans
Financing specifically designed for renovating, repairing, or upgrading your existing home without needing to take an expensive personal loan.
Ready to Apply?
Consult Our AdvisorsBenefits of a Structured Home Loan
Affordable EMIs
We structure the loan amount and tenure so that your monthly payments sit comfortably within your current income limits.
Long Repayment Tenure
Home loans offer some of the longest repayment windows available (up to 30 years), greatly reducing immediate financial strain.
Massive Tax Benefits
Claim significant legal deductions on your income tax under Section 80C (principal) and Section 24b (interest).
Competitive Interest Rates
Housing loans are secured loans, meaning they offer the lowest interest rates in the entire lending market.
The Loan Process
Financial Consultation
Evaluating your CIBIL score, income, and determining your maximum eligibility.
In-Principle Sanction
Applying to the best-suited bank to get a pre-approved sanction letter.
Property Legal Check
The bank conducts a strict title search and legal verification of the property.
Technical Valuation
An engineer inspects the property to assess its true market value.
Final Disbursement
Signing the loan agreement and disbursing funds to the builder or seller.
Documents Required
For Salaried Individuals
- Identity & Address Proof (Aadhaar, PAN)
- Last 3 to 6 months' Salary Slips
- Form 16 / ITR for the last 2 years
- Last 6 months' Bank Statements (Salary account)
- Property Allotment Letter / Agreement to Sell
For Self-Employed
- Identity & Business Proof (GST/Udyam)
- ITR for the last 3 years with Computation of Income
- Audited Balance Sheet & P&L Statement
- Current Account Bank Statements (12 months)
- Approved Building Plan / Property Title Deeds
Frequently Asked Questions
What is the maximum loan amount I can get?
Banks typically fund up to 75% to 90% of the property's value (known as the LTV ratio). The exact amount you qualify for also depends heavily on your current monthly income and existing EMI obligations.
Is a co-applicant mandatory for a home loan?
While not strictly mandatory, banks strongly prefer co-applicants (usually a spouse or immediate family member) as it reduces their risk. Adding a co-applicant also allows you to club incomes and get a larger loan sanctioned.
Can I prepay my home loan early?
Yes. As per RBI guidelines, banks cannot charge foreclosure or pre-payment penalties on floating-rate home loans taken by individuals. You can prepay your loan to reduce the principal and save on interest.
Secure Your Dream Home
Explore housing loan options with expert guidance. Let us handle the bank negotiations and paperwork.
Start Your ApplicationFast In-Principle Approvals