Home Loan
Dreaming of owning a home? Explore our range of home loan options, including fixed and floating-rate loans, and find the one that best suits your needs.
Why Choose a Home Loan?
Owning a home is one of life’s most significant milestones, a symbol of stability, comfort, and accomplishment. However, financing a home can be challenging, with numerous options to consider and a substantial financial commitment. At Biyaaj, we understand that buying a home is more than just a transaction—it’s a dream come true. That’s why we offer tailored Home Loan solutions to help you step into your new home with confidence and ease.
Our Home Loan Features
Whether you’re a first-time homebuyer or looking to upgrade, we offer a variety of loan products to suit your needs, including fixed-rate and floating-rate loans.
We provide funding for up to 95% of the property value, ensuring you can afford the home of your dreams.
With repayment tenures extending up to 30 years, we make it easier for you to manage your monthly installments and reduce financial strain.
Benefit from our partnerships with over 120 banks and NBFCs, giving you access to the most competitive interest rates in the market.
We streamline the documentation process, requiring only essential documents to ensure a hassle-free experience.
Already have a Home Loan? You can transfer your existing loan to Biyaaj for better interest rates and improved terms.
Designed for individuals looking to purchase a new or resale residential property, our Home Purchase Loans offer flexible funding options and competitive rates to make home ownership more accessible.
Building your dream home from the ground up? Our Home Construction Loans provide the financial support you need throughout the construction process, from purchasing the plot to completing the build.
Enhance your living space with our Home Improvement Loans, ideal for renovations, repairs, or upgrades. Whether it’s a kitchen remodel or adding a new room, we’ve got you covered.
If you’re planning to expand your existing home, our Home Extension Loans offer the funds required to add extra rooms, floors, or any other extensions.
Looking to buy a plot of land to build your dream home? Our Plot Purchase Loans offer financing for purchasing residential plots, with the flexibility to convert into a construction loan later.
If you’re paying high interest on an existing Home Loan, our Balance Transfer facility allows you to switch your loan to Biyaaj, reducing your EMI burden with better interest rates and terms.
[Types of]
Home Loan
To apply for a Home Loan with Biyaaj, you need to meet the following criteria:
- Age: Applicants should be between 21 and 65 years old.
- Income: A stable and sufficient income is required, with specific criteria for salaried and self-employed individuals.
- Credit Score: A good credit score enhances your chances of approval and can help secure better interest rates.
- Employment Stability: Salaried individuals should have at least 2 years of work experience, while self-employed individuals should have a stable business with a proven track record.
[Eligibility Criteria]
Home Loan
Process
Documents Required
We make the documentation process as simple and straightforward as possible. Here’s what you’ll need:
Identity Proof:
Aadhar Card, PAN Card, Passport, or Driving License.
Address Proof:
Utility bills, Rent Agreement, Passport, or Aadhar Card
Income Proof:
Salary slips, bank statements, or IT returns for self-employed individuals.
Property Documents:
Sale agreement, title deed, and other relevant property documents.
Employment Proof:
Employment letter for salaried individuals or business proof for self-employed applicants.
How to Apply
Getting started with your Home Loan application at Biyaaj is easy:
Explore Your Options:
Visit our website to compare various Home Loan products and choose the one that best suits your needs.
Complete the Application:
Fill out our simple online application form with your details.
Submit Documents:
Upload the necessary documents through our secure portal for a quick and smooth verification process.
Get Approval:
Once your application is reviewed and approved, we’ll proceed with the loan disbursement.
Loan Disbursement:
The approved loan amount will be directly transferred to your account, enabling you to move forward with your home purchase or construction.
Home Loan?
Why Choose Biyaaj?
- Personalized Solutions - We understand that every homebuyer's journey is unique. Our financial experts work closely with you to understand your requirements and recommend the best Home Loan options tailored to your situation.
- Seamless Application Process - At Biyaaj, we simplify the Home Loan process with an easy-to-navigate online application system. From initial inquiry to final disbursement, we ensure a smooth and efficient experience.
- Wide Range of Lenders - Our extensive network of over 120 banks and NBFCs means you get access to a wide variety of loan products, ensuring you find the best fit for your needs at competitive rates.
- Expert Guidance - Not sure which Home Loan product is right for you? Our team of seasoned professionals provides expert advice, helping you navigate the complexities of Home Loans, from interest rates to tenure and beyond.
- Transparency and Trust - We believe in building relationships based on trust and transparency. With Biyaaj, you’ll always know what you’re signing up for—no hidden fees or surprises, just straightforward, honest service.
- Post-Loan Services - Our commitment to you doesn’t end with the disbursement of the loan. We offer ongoing support to help you manage your loan, including options for balance transfers, part-prepayments, and more.