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Transforming Houses into Homes: Bharatloansapp offers easy, affordable, and flexible home loans, ensuring your dream home becomes a reality

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Home Loan

Buying own dream home is an emotion for all of us. Home, where all family members live lifelong memories together. With our home loan services, we’re completing every individual’s wish to live in own home with loved ones. Get home loan in Mohali now at very few interest rates for up to 25 years.

We specialize in property loans which are recommended against Commercial, Industrial and Residential properties that fall under Tricity MC, PUDA, GMADA, HUDA, PSIEC, HSIDC through all available banks

Types Of Home Loan

  1. Home Construction Loan: This option is available to you if you own a piece of land but are unable to secure the funds necessary to build a house on it. The primary purpose of this loan is to build or fix a significant portion of your house.
  2. Home Extension Loan: If you currently own a home and need to add a floor, an addition, or extend the structure, the Home Extension Loan is the best alternative for financing these projects.
  3. Home Improvement Loan: To live better lives, we all want to enhance and renovate our houses. All your ideas are funded by Home Improvement Loans, including outdated fixtures, furnishings, and modern lightning systems.
  4. NRI Home Loan: This is the solution for you if you’re a patriot, a non-resident Indian, and you want to purchase a home in India.

Home Loan Calculator


Home Loan Eligibility and Documents

Call to know the criteria required to apply for our Homel Loan

Home Loan Eligibility Criteria

The basic home loan eligibility criteria are as follows:


  1. You must be above 21 years of age at the time of the commencing of your loan, and up to 65 years or less at loan maturity
  2. Salaried Person - 21 years to 58 years
  3. Self-Employed Person - 25 years to 65 years


  1. Salaried Person - Minimum Rs. 10,000 per month
  2. Self-Employed Person - Minimum Rs. 2,00,000 per year


  1. Salaried Person - Minimum 2 to 3 years of Experience in MNC, or a Private or Public Limited Company
  2. Self-Employed Person - Minimum 3 years of Experience in the current field

Credit Score:

A credit score of 750 is considered a good score for approval.

Documents required to apply for Personal Loan

Income Proof Documents

 1. Salaried Individuals

  • Form 16
  • Employee Identity Card
  • 3 Months Salary Slip
  • 6 Month Bank Account Statement
  • Duration of Employment Evidence

2. Self-Employed Individuals

  • PAN
  • Trade License
  • Partnership Deed
  • Article of Association
  • Memorandum of Association
  • Import Export Code
  • SEBI Registration Certificate
  • ROC Registration Certificate
  • Financial Statement Audited by CA
  • Profit & Loss Account Statement
  • Balance Sheet
  • 6 Months Bank Account Statement
  • Professional Practice License for Doctors, Consultants, etc
  • Registration Certificate of Establishment for Shops, Factories, and Other Establishments
  • Business Address Proof

3. Documents Required from all Non-Resident Indians (NRIs) Applicants

    • Income Proof Documents for NRI
    • Property Papers
    • Property Documents
    • Sale Deed
    • Stamped Agreement of Sale
    • Allotment Letter
    • No Objection Certificate or NOC
    • Housing Society
    • Builder
    • Possession Certificate
    • Land Tax Receipt
    • Construction Cost Estimate
    • Bank Account Statement of Payment Made to Seller or Builder
    • Payment Receipt of Payment Made to Seller or Builder
    • Incase of resale property share certificate is required
    • Occupancy Certificate

Client's words

Connect with us to help you make your financial decisions right and smart.

I was in urgent need of a home loan, and Bharatloansapp came to my rescue. Their expert guidance and seamless loan processing made the entire experience stress-free. I'm now a proud homeowner, thanks to Bharatloansapp!

Mr. Rajesh Sharma

I wanted to expand my business, and Bharatloansapp helped me secure a business loan with attractive terms. Their professionalism and strong network of partner banks truly impressed me. My business is thriving, and I'm grateful to Bharatloansapp for their support

Mrs. Simran Kaur

I wanted to expand my business, and Bharatloansapp helped me secure a business loan with attractive terms. Their professionalism and strong network of partner banks truly impressed me. My business is thriving, and I'm grateful to Bharatloansapp for their support

Mr. Sameer Patel


A home loan in India is a financial product that provides funds to purchase, construct, or renovate a residential property. It is secured against the property itself.

Common types include Home Purchase Loans, Home Construction Loans, Home Improvement Loans, and Home Loan Balance Transfer.

You can apply through our website or by contacting our team. We'll assist you with the application process and documentation.

Eligibility is based on factors such as income, credit score, age, employment stability, and the value of the property.

Typically, you need identity proof, address proof, income proof, property documents, and bank statements.

LTV ratios can vary but often range from 70% to 90%, meaning you can get a loan for 70% to 90% of the property's value.

In India, both fixed and floating (variable) interest rates are available. Borrowers can choose the one that suits them best.

Home loans can have tenures of up to 30 years. Prepayment is allowed, and some lenders charge a prepayment penalty.

While there may be processing fees, legal fees, and administrative charges, these should be transparent and disclosed upfront.

Defaulting can lead to penalties, legal action, and negatively impact your credit score. It's crucial to communicate with the lender in case of financial difficulties.


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