Home Loans

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HOUSING LOAN

Applying for a Home Loan can be a daunting task, but with KIFS Housing Finance Ltd, you can make your dream of owning a home a reality. We are committed to providing affordable and hassle-free home loans to all eligible individuals.

Our tagline “LOAN WAHI JO AAPKE LIYE SAHI” reflects our mission to help our customers achieve their dream of owning a home. We believe that everyone deserves to have a place to call their own, and we are dedicated to making this happen for you.

Loan Amounts:

With KIFS Housing Finance, you can borrow a Home Loan ranging from
1 lakh to 50 lakhs. Whether you are looking to purchase your first home, upgrade to a bigger one, or invest in a second property, we have a home loan that suits your needs.

Interest Rates:

We offer competitive interest rates that are tailored to meet the needs of both salaried and self-employed individuals. Our interest rates are as follows:

SALARIED

SELF EMPLOYED

Loan Tenure:

Our Home Loan tenure ranges from 1 to 20 years, depending on your needs and repayment capacity. We understand that buying a home is a long-term investment, and our Home Loan tenure is designed to make the repayment process flexible and affordable for you.

Documents Required:

We require the following documents to process your Home Loan application:
• Income Proof: Salary slips, bank statements, or Income Tax Returns (ITR) for the last three years.
• Identity Proof: Aadhar Card, Voter ID Card, Passport, or PAN Card.
• Age Proof: Birth Certificate, Passport, or Aadhar Card.
• Address Proof: Utility bills, Passport, or Aadhar Card.
• Employment Details: Appointment letter, salary slips, or employment certificate.
• Educational Proof: School/ Diploma/ Degree certificates.
• Bank Statements: Bank statements for the last six months.
• Property Details: If you have finalized the property on which the loan is applied.

Fees and Charges:

Once you have completed the formal application and document submission process, you need to pay a processing fee to maintain your loan account. Our processing fee for your home loan application is minimum and varies based on the loan amount.

At KIFS Housing Finance Ltd, we understand the importance of owning a home, and we are committed to helping you achieve your dream. Our team of experienced professionals will guide you through the entire Home Loan process, from application to disbursement, ensuring that your experience is stress-free and hassle-free.

Apply for a Home Loan online with KIFS Housing Finance Ltd today and take the first step towards owning your dream home!

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Approach for gradation of risk: The risk premium will be decided on a case to case basis as decided by the KIFSHFL. The approach for gradation of risk is based on factors such as nature of loan, credit worthiness of the borrower, nature of security, nature of the Product, type of asset being financed, borrower profile, repayment capacity, borrower’s other financial commitments, past repayment, tenure of the loan, geography (location) of the borrower, end use of the loan as represented by the underlying asset etc. Such information is collated based on the borrowers input, credit bureau and field inspection by the KIFSHFL officials. While deciding the interest rate and other charges, the rate offered by the Competitors in the market would also be taken into consideration. Please refer website for updated detail of rate of interest