The loan amount depends on your income, CIBIL score, repayment capacity, and property value. Generally, lenders offer up to 80-90% of the property value.

Home loan interest rates start from 8.10% p.a. but may vary based on the lender, your profile, loan amount, and tenure.

Yes, we specialize in assisting clients with low CIBIL scores. We help you find the best lender suited to your financial profile.

Key documents include:

• KYC documents (Aadhaar, PAN, etc.)
• Income proof (salary slips, IT returns, etc.)
• Bank statements (last 6 months)
• Property documents (agreement, chain of ownership, etc.)

Typically, it takes 7-15 working days from application to disbursement, depending on the completeness of your documentation and lender policies.

The maximum tenure for a home loan is 30 years, which helps reduce the EMI burden.

Yes, you can transfer your home loan to another lender offering a lower interest rate or better terms. This process is called a balance transfer.

Yes, most lenders require a down payment of 10-20% of the property value. The loan covers the remaining amount.

Additional costs may include:

• Processing fees
• Legal and valuation charges
• Insurance premiums

Stamp duty and NOI charges

At Integral Financial Solutions, we:

• Help you choose the best lender from 125+ options.
• Offer tailored solutions based on your profile.
• Assist with doorstep documentation and quick disbursal.
• Specialize in challenging cases like low CIBIL scores or rejected applications.