🏡 Home Loan – Make Your Dream Home a Reality

Buying a home is one of the most important financial decisions in life. A Home Loan helps you achieve this goal without putting a strain on your savings. Whether you’re buying your first house, upgrading to a bigger home, or constructing your own house, we assist you in getting the most suitable home loan with easy repayment options and the lowest interest rates.

✔️ What is a Home Loan?

A Home Loan is a secured loan provided by banks, housing finance companies, and NBFCs, where the property being purchased or constructed is mortgaged as security. The loan amount is repaid in the form of monthly EMIs (Equated Monthly Installments) over a fixed tenure.

🔍 Key Features:

• Loan Amount: Up to 80–90% of the property's value.
• Tenure: Up to 30 years.
• Interest Rates: Attractive and competitive, fixed or floating.
• Processing Time: Quick approval with minimal documentation.
• Top-Up Loan: Option to avail additional funds on your existing home loan.

🌟 Benefits of Taking a Home Loan:

1. Realize Your Dream of Homeownership: Buy your dream home with easy financing.
2. Tax Benefits:
   • Deduction up to ₹1.5 lakh under Section 80C for principal repayment.
   • Deduction up to ₹2 lakh under Section 24(b) for interest payment.
3. Improves Financial Discipline: Regular EMI payments help build a strong credit history.
4. Increase in Property Value: Real estate is an appreciating asset.
5. Balance Transfer Facility: Switch to a lender offering a lower interest rate.

📝 Documents Required:

• ID Proof (PAN/Aadhaar/Passport)
• Address Proof
• Income Documents (Salary Slips / ITR / Bank Statement)
• Property Documents
• Passport-size photographs

🏠 Loan Against Property (LAP) – Unlock the Value of Your Property

When you need a large amount of money for personal or business needs, Loan Against Property (LAP) is one of the most effective and low-cost financing options available. You can mortgage your residential, commercial, or industrial property to raise funds and continue using the property without selling it.

✔️ What is Loan Against Property?

LAP is a secured loan where you pledge your existing property to avail a loan. The loan amount is determined based on the current market value of the property and your income eligibility.

🔍 Key Features:

• Loan Amount: Usually 50–70% of the market value of the property.
• Tenure: Up to 15 years.
• Interest Rates: Lower than personal loans and credit cards.
• Type of Property Accepted: Self-occupied, rented, or even vacant properties.

🌟 Benefits of Loan Against Property:

• High Loan Amount: Get access to large funds for any purpose (education, business expansion, medical expenses, marriage, etc.).
• Lower Interest Rates: Because it's a secured loan, the interest rate is significantly lower than personal loans.
• Longer Repayment Tenure: EMIs spread across several years make repayment comfortable.
• Continued Ownership: You continue to live in or use the property while repaying the loan.
• No Restrictions on Usage: Funds can be used for personal or professional requirements.

📝 Documents Required:

• Property Papers (Sale deed, title deed, NOC from society, etc.)
• Identity & Address Proof
• Income Documents (ITR, salary slips, bank statements)
• Photographs

💼 Why Choose Invest More Wealth Advisory?

• ✅ Expert guidance to select the best lender based on your profile
• ✅ Compare loan offers from multiple banks and NBFCs
• ✅ Transparent processing with no hidden charges
• ✅ Assistance with documentation and application submission
• ✅ Post-loan services like balance transfer, top-up loan, and foreclosure support

📞 Need help with your home loan or LAP application?

Contact us today for a free consultation and let our experts find the best loan offer tailored to your needs.