Today Finserv Your Home Loan Partner

Today Finserv meets your needs with affordable home loans. Changes in the employment landscape with remote-work options have made it easier for professionals to buy their first house. A house is not merely a milestone in life but a value asset that tremendously helps improve net worth. Today Finserv home loan lays the financial foundation for that house, making it easier to transition from aspirational to owning.

Why Opt for Today Finserv for your Home Loan?

We understand how daunting and meticulous the process of securing a loan can be, but with Today Finserv, it’s a stress-free and empowering journey.

Competitive Interest Rates
We value your time and strive to offer Home Loans with the best interest rates available in the market, starting from the attractive rate of 8.25% p.a.

Flexible Repayment Options
Tailor the repayment period to your individual needs with a maximum of 30 years, allowing you to meet your financial goals with ease.

Significant Loan Amounts
Get approved for funding of ₹5 Crore or more based on your eligibility. Regardless of whether it is an apartment, an independent house, or a property under construction, we are here to help you.

Fast Processing and Disbursal
Apply digitally with us and receive in principle approval instantly. Faster disbursals are available too. We understand that time is money, especially while purchasing property.

No Surreptitious Fees
We believe in full transparency. All fees, charges, and terms including hidden charges will be presented to you prior to signing the agreement.

Home Loan Types Offered

We have flexible and tailored solutions using different home loan products to suit varying customer needs:

Purchase a home loan
Ideal for purchasing a new or a resale property.

Construction home loan
Meant for individuals who own a plot of land and are constructing a house on it.

Improvement home loan
The loan is tailored to help you remodel or renovate your house.

Extension home loan
Providing an additional room or a new floor is simple with this loan.

Balance Transfer
Interested in transferring an existing loan with a high interest rate to Today Finserv? You can significantly save on interest fees while transferring to us.

Top-Up Loan
Do you require extra cash on top of your existing home loan? Simple approval along with low rates make our top-up loans a favorable option.

Home Loan Eligibility Criteria

Your loan eligibility with us is considered on multiple factors like income, age, employment type, credit history, and current debts.

Salaried Individuals

• Age: 21 to 60 years
• Minimum Income: ₹25,000/month
• Employment Status: Salaried for 2 years
• Credit Score: 700+ preferred

Self-Employed Professionals

• Age: 21 to 65 years
• Minimum Income: ₹3 Lakhs/year with ITR
• Employment Status: 3 years in business oup
• Credit Score: 700+ preferred

While the aforementioned criteria can be met, the loan may not be approved. Approval is dependent on additional internal policies, checks, and document validations.

Required Documents

Having the documents listed below on hand will help to expedite the loan procedure:

For Salaried:

• PAN Card & Aadhaar Card
• Payslips for the last 3 months
• Bank Statements for the last 6 months
• Employment Certificate
• Property Documents

For Self-Employed:

• PAN Card & Aadhaar Card
• Income Tax Returns for the last 2 years
• Profit and Loss Statements
• Business Documents
• Bank Statements for the last 6 to 12 months

Home Loan EMI Calculator

Would you like to find out the amount of EMI you will be paying? With our Home Loan EMI Calculator, you can assess your estimated monthly payment for free.

• The Amount of Loan
• The Rate of Interest
• The Loan Tenure

You will receive instant results. This allows you to manage your finances more accurately ahead of time.

Steps to get a loan

To apply for a loan you need only to follow these initial requirements:

Eligibility Criteria
Using our services you’ll receive a fair offer and only need to upload your financial details.

Deposit Loan Application
Help us to help you by uploading the documents we need. Complete your part by uploading your details in the online form.

Get your loan in principle
Provided that your documents meet our guidelines you will receive an in-principle agreement on the loan terms almost instantly.

Finalise your loan
The loan documents will be checked and submitted to your account, or the developer account, as the case may be.

Reasons why you should get a Loan?

Here’s why taking your loan by this time in the market may be advantageous:

• The cost of borrowing will be comparatively cheaper: The steady repo rate of the RBI means that the cost of borrowing a loan for customers will be quite cheap.
• Tax advantages: You are eligible to receive a tax refund of 2 lakh rupees on the interest claimed on the house, and 1.5 lakh rupees on the principal payment through section 80C.
• Low cost of housing: These schemes will bring new properties to market for constant deployment.
• Flexible Lending: The number of banks and NBFCs offering home loans has increased and become more competitive.

Whether it’s your first home, moving to a larger space, or transferring a loan, Today Finserv aims to assist with flexible and affordable home loan. The process is digital and human, ensuring your home is a reality sooner rather than later.

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