Residential Property Financing

HomeLoanConsultation

We help prospective homebuyers explore financing options for purchasing a residential property. The consultation covers loan requirements, eligibility considerations, lender comparisons, repayment periods, and EMI estimates.

🏡 Purchase & Construction🔄 Balance Transfer & Top-Up📅 Tenures up to 30 Years

Home Financing Guide

TypicalConsultationTopics

During your home loan consultation with our Rohtak team, we will discuss:

🏡 Property Details: Location, cost, approvals, and legal verification considerations.

💼 Income Profile: Salaried pay structure or self-employed financial records.

💳 Existing Obligations: Credit cards, car loans, or active EMIs impacting DTI.

💰 Available Down Payment: Own contribution vs loan-to-value (LTV) limits.

Common Documentation Considered by Lenders

1. KYC Documents: PAN card, Aadhaar card, voter ID, passport, or utility bills for address proof.

2. Income Proof (Salaried): Latest 3-6 months salary slips, Form 16 (last 2 years), and 6 months bank statements.

3. Income Proof (Self-Employed): Last 2-3 years ITR with computation, audited balance sheets, and 6-12 months operative bank statements.

4. Property Documents: Agreement to sale, title deed copies, approved building plan, and builder allotment letter if applicable.

Frequently Asked Questions

What properties are eligible for home loan consultation?

Prospective buyers can explore financing for ready-to-move residential apartments, under-construction builder projects, independent houses, or residential plots, subject to approved project titles and lender policies.

What factors influence home loan eligibility?

Primary factors include net monthly income, employment vintage, age, existing loan EMIs, proposed down payment, property valuation, and your credit profile history.

Can self-employed applicants apply for a home loan?

Yes. Self-employed professionals and business owners can apply by furnishing audited financial statements, ITRs, business vintage proof, and bank account statements.

How does First Truth Finance Consultations help?

We review your income and obligation profile, compare financing terms across participating lenders, assist in organizing your documentation, and help you navigate the process without unrealistic promises.

Advisory Desk

Book Home Loan Consultation

Connect with Shubham Jain and our Rohtak team for an objective evaluation of your home buying eligibility.

✓ Truth First & Transparent Terms

✓ Multi-Lender Option Analysis

✓ EMI & Repayment Planning

Estimate Monthly Repayments

Use our interactive EMI calculator to simulate different amounts, tenures, and interest rates.

Open Loan EMI Calculator→

HomeLoanConsultation

🏡 Purchase & Construction🔄 Balance Transfer & Top-Up📅 Tenures up to 30 Years

TypicalConsultationTopics

During your home loan consultation with our Rohtak team, we will discuss:

🏡 Property Details: Location, cost, approvals, and legal verification considerations.

💼 Income Profile: Salaried pay structure or self-employed financial records.

💳 Existing Obligations: Credit cards, car loans, or active EMIs impacting DTI.

💰 Available Down Payment: Own contribution vs loan-to-value (LTV) limits.

Common Documentation Considered by Lenders

1. KYC Documents: PAN card, Aadhaar card, voter ID, passport, or utility bills for address proof.

2. Income Proof (Salaried): Latest 3-6 months salary slips, Form 16 (last 2 years), and 6 months bank statements.

3. Income Proof (Self-Employed): Last 2-3 years ITR with computation, audited balance sheets, and 6-12 months operative bank statements.

4. Property Documents: Agreement to sale, title deed copies, approved building plan, and builder allotment letter if applicable.

Frequently Asked Questions

What properties are eligible for home loan consultation?

What factors influence home loan eligibility?

Primary factors include net monthly income, employment vintage, age, existing loan EMIs, proposed down payment, property valuation, and your credit profile history.

Can self-employed applicants apply for a home loan?

Yes. Self-employed professionals and business owners can apply by furnishing audited financial statements, ITRs, business vintage proof, and bank account statements.