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Get Home Loan

District Co-Operative Bank Ltd. Tehri,Garhwalmortgage ѕресіаlіѕtѕ make it еаѕу tо buу a hоmе.

Home Loan is the sum of money borrowed from a bank or a financial institution to purchase or construct a house. It is a secured loan where the property is mortgaged to the lender as a security till the repayment of the loan. The bank or financial institution holds the title or deed of the property till the loan has been paid back with the interest due for it.

There are different types of home loan available in the market to cater a borrower’s different needs:

  • Home Purchase Loan is the most common type of home loan meant for purchase or construction of a new house/apartment.
  • Home Improvement Loan is taken to renovate an existing home.
  • Home Extension Loan is for consumers who want to extend or expand their house such as add a new room or a new wing.
  • Loan Against Property is for individuals seeking loan against an already existing property.
  • Land Purchase Loan is sought for buying land as an investment or to build a house in future.
  • Balance Transfer Loan is availed to pay off an existing home loan, enabling borrowers to take a loan with a lower interest rate.
Still thinking? When it comes to.
  • Fixed Rate Loans.
  • Adjustable Rate Lоаnѕ
  • Fіrѕt Tіmе Hоmе Buyer Lоаnѕ
  • Cоnѕtruсtіоn Lоаnѕ
  • 100% Fіnаnсіng Prоgrаmѕ Available
  • With home loan you can apply for funiture loan

Loan Simple Process

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Simple procedure

Less Document

No Security or Guarantors


  • Purpose: For purchase of house from builder / resale and construction / extension of existing house.
  • Loan amount: You can avail for Home loans ranging from Rs.2 lac to Rs.200 lac depending on your eligibility, income and repayment capacity.
  • Security: Home loan is a secured loan wherein collateral are required.
  • Loan tenor: The maximum loan tenure is 20 years.

Banks determine your eligibility based on your repayment capacity and discuss about the loan amount up front. The eligibility for acquiring a home loan is augmented by clubbing income of your father/spouse/mother/son, by clearing your outstanding debts, by stretching your loan tenure, Salaried individuals can increase their eligibility by showing their performance linked income or bonus earned.

Secondly, Do your own analysis and check the impact of your repayment of home loan on your monthly expenditure, as a thumb rule, it's recommended to make sure the EMI of your home loan do not exceed more than 40% of your gross monthly income.

  • Minimum: 18 years as on the date of sanction.
  • Maximum age of Applicant at loan maturity: 70 Years.