Turn Your Dream Home
Into an
Address
Whether you're buying your first home, building on your own plot, or moving to a bigger one — get competitive rates, high loan eligibility, and complete documentation support from our advisors.
A Loan Designed Around Your Home
A home loan from Sanvifinserv helps you purchase a ready property, book an under-construction flat, buy a plot and construct, or move your existing home loan to a lower rate — all with expert guidance from application to registration.
We compare offers across our partner banks and housing finance companies to match you with the lowest eligible rate and the fastest processing timeline for your profile.
Choose the Right Fit
Home financing isn't one-size-fits-all — pick the option that matches your property stage.
Home Purchase Loan
Finance the purchase of a new or resale ready-to-move property.
Home Construction Loan
Build on your own plot with funds released as construction progresses.
Plot + Construction Loan
Combined financing to buy land and construct your home on it.
Home Improvement Loan
Renovate, extend, or repair your existing home with added funding.
Balance Transfer
Shift your existing home loan to us for a lower interest rate.
Top-Up Loan
Borrow additional funds over your existing home loan for any need.
Who Can Apply
Eligibility depends on income, age, property value, and credit profile. Here's a general guide.
Salaried Individuals
- Age between 21 and 65 years (at loan maturity)
- Minimum net monthly income of ₹25,000
- At least 2 years of continuous work experience
- CIBIL score of 700 or above preferred
- Property with clear title and approved plan
Self-Employed / Business Owners
- Age between 24 and 70 years (at loan maturity)
- Business or profession active for at least 3 years
- Stable annual income as per lender norms
- CIBIL score of 700 or above preferred
- ITR filed for the last 3 years
Transparent Rate Slabs
Your final rate depends on income, credit score, loan-to-value ratio, and chosen lender.
| Parameter | Salaried | Self-Employed |
|---|---|---|
| Interest Rate | 8.4% – 10.5% p.a. | 8.75% – 11% p.a. |
| Loan Amount | Up to ₹5,00,00,000 | Up to ₹3,50,00,000 |
| Funding (of Property Value) | Up to 90% | Up to 80% |
| Tenure | Up to 30 years | Up to 25 years |
| Processing Fee | Up to 1% of loan amount | Up to 1.5% of loan amount |
| Prepayment Charges | Nil (floating rate) | Nil (floating rate) |
Documents You'll Need
Along with KYC and income proof, property documents are required for a home loan.
KYC & Income Documents
- PAN Card & Aadhaar Card
- Last 3 months' salary slips / 2 years' ITR
- Last 6 months' bank statement
- Form 16 or income computation
- Passport-size photograph
Property Documents
- Sale agreement / allotment letter
- Approved building plan
- Title deed and chain of ownership
- Encumbrance certificate
- Property tax receipts (if applicable)
Built to Make Homeownership Simple
Low Starting Rates
Competitive interest rates starting from 8.4% per annum across partner lenders.
Long Tenure
Spread repayment over up to 30 years to keep your EMI comfortable.
Tax Benefits
Claim deductions on principal and interest under Section 80C and 24(b).
Easy Balance Transfer
Move your existing home loan to us for a better rate, hassle-free.
Top-Up Facility
Access additional funds over your sanctioned amount when you need them.
End-to-End Support
From sanction to registration, one advisor guides you through every step.
From Application to Registration
Apply Online
Share property and income details with our advisor.
Document & Valuation
Submit documents; property is legally and technically verified.
Sanction Letter
Receive your loan sanction letter with final terms.
Disbursal
Funds released to seller/builder as per agreement stage.
Home Loan Questions Answered
Ready to apply for your Home Loan?
Free consultation, transparent terms, no hidden charges. Our advisors respond within hours.