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Housing Loan in Calicut – Apply Now


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About Housing loan Calicut

Welcome to our CFC website, where we are committed to providing you with the best housing loan options in Calicut, Kerala. Whether you are looking to buy your first home, upgrade to a larger home, or renovate your current home, we have the right loan solution for you. Our website offers a variety of housing loan options with competitive interest rates and flexible repayment terms to suit your needs. Whether you’re looking to purchase a new home, renovate your existing home, or construct a new home, our agency can provide you with the financing you need to make it happen. We understand that buying a home is a major investment, and our team of experienced professionals is here to guide you through the entire loan process, from application to approval. Visit our website today to learn more about our housing loan options and how we can help you achieve your dream of homeownership in Calicut.

At our housing loan agency in Calicut, we are committed to helping you achieve your dream of homeownership. We understand that buying a home can be a daunting task, which is why we offer a variety of loan options to suit your specific needs. Whether you’re a first-time homebuyer, looking to upgrade to a larger home, or wanting to renovate your current home, our agency has a loan solution for you.

Flexible Repayment Terms and Competitive Interest Rates on Housing Loan in Calicut

Welcome to our CFC website, where we are committed to providing you with the best housing loan options in Calicut, Kerala. Whether you are looking to buy your first home, upgrade to a larger home, or renovate your current home, we have the right loan solution for you. Our website offers a variety of housing loan options with competitive interest rates and flexible repayment terms to suit your needs. Whether you’re looking to purchase a new home, renovate your existing home, or construct a new home, our agency can provide you with the financing you need to make it happen. We understand that buying a home is a major investment, and our team of experienced professionals is here to guide you through the entire loan process, from application to approval. Visit our website today to learn more about our housing loan options and how we can help you achieve your dream of homeownership in Calicut.

We believe that everyone deserves a safe and comfortable home, and our mission is to make that dream a reality for you. So, if you’re looking for a reliable and trustworthy housing loan agency in Calicut, look no further than CFC.

Features offered housing loan in Calicut

If you’re planning to buy a house in Calicut, Kerala, a housing loan can be the perfect way to finance your dream home. At our housing loan agency Calicut, we offer a range of features to make your home-buying process as smooth and hassle-free as possible. Here are some of the features of our housing loans in Calicut:

  1. Competitive Interest Rates: We offer competitive interest rates on our housing loans in Calicut, which means you can save a lot of money on interest payments.
  2. Flexible Repayment Options: We offer flexible repayment options so that you can choose the one that best suits your financial situation. You can choose from fixed or floating interest rates, and we offer repayment periods of up to 30 years.
  3. Quick and Hassle-Free Approval Process: Our online application process is quick and hassle-free. You can apply for a loan from the comfort of your own home, and our loan experts will guide you through the entire process, from application to approval.
  4. Expert Advice: Our team of experienced professionals is always available to offer you expert advice on your loan options. We understand that buying a house is a significant investment, and we want to make sure that you make an informed decision.
  5. No Hidden Charges: We are transparent about our charges, and there are no hidden fees or charges when you take a housing loan from us.
  6. Loan Insurance: We offer loan insurance to protect you from any unforeseen events that might make it difficult for you to repay the loan.

At our housing loan agency in Calicut, we strive to provide you with the best possible features so that you can buy your dream home without any stress or hassle.

Required Documents for Housing loan Calicut

  • Salary Certificate in Company Letter head /6 months pay slips
  • Copy of Job Contract, Passport and Visa
  • One year bank statement in which salary is credited
  • NRE bank account statement one year (Local bank)
  • Qualification Proof (if professional)
  • Job ID card
  • Pan card, Adhaar card
  • Co-Applicant Details (Photo, ID ,Address proof )
  • Two year income tax return (except gulf NRI’s)
  • Loan sanction letter & loan track (starting to till date)
SALARY CLASS
  • Salary Certificate in Company Letter head /6 months pay slips
  • Copy of Job Contract
  • One year bank statement in which salary is credited
  • Form 16 , ITR and computation (2018 and2019 march)
  • Qualification Proof (if professional)
  • Job ID card
  • Pan card, Adhaar card
  • Co-Applicant Details (Photo, ID ,Address proof )
  • Loan sanction letter & loan track (starting to till date)
PROPRITORSHIP
  • 3 years ITR .computation and Balance sheet
  • One year bank statement (S B a/c, C A a/c, O D a/c )
  • Local body licenses/ GST regi, MSME, Pollution, food and safety, export and import license (submit if you have)
  • Loan sanction letter
  • Loan track (starting to till date)
  • Business profile
  • Rental agreement (shop, godown )
  • Other loan details, loan track, loan closing letter
  • Photo , Pan card ,election card , Driving License, Ration card (h/w)
  • GST monthly return(April 2019 to till months)
  • Two year GST. Annual return
COMPANY/ PARTNERSHIP/TRUST
  • Company memorandum and articles / Partnership deed/ trust deed
  • Registration certificate
  • Pan card
  • Three years ITR ,computation and Balance sheet
  • One year bank statement (S B a/c, C A a/c, O D a/c )
  • Local body licenses/ GST regi, MSME, Pollution, food and safety, export and import licence……etc (submit if you have)
  • Business profile
  • GST Annual return (2018 march . 2019 march)
  • GST Monthly return (2019 Aril to till month)
  • Two year ITR, Computation, one year bank statement(Directors/ partners/ trust)
  • Directors: other loan details, loan track, loan closing letter
  • Photo , Pan card ,election card , Driving License (directors/ partners/ trust)
  • Loan sanction letter
  • Term loan statements(starting to till date)

Property details

  • Document of the property
  • Prior documents
  • Encumbrance certificate for last 30 years
  • Possession and non attachment certificate
  • Land tax receipt
  • Building tax receipt
  • Location sketch and certificate
  • Approved Building plan and permit
  • Estimates( construction/ repair and maintains )
  • Sale agreement copy(purchase )

Loan Eligibility of Housing loan in Calicut

Eligible Age (Min-Max)The applicant’s age should be minimum 24 years and maximum 60 years at the time of applying for a home loan if the applicant is a salaried employee.
Eligible IncomeSalaried applicants should have a minimum monthly income of ₹25,000 per month in a metro city, and a minimum monthly income of ₹20,000 in other cities.
Minimum Loan AmountThe salaried applicants can avail a personal loan starting from ₹100,000, based on their eligibility.
Maximum Loan AmountThe salaried applicants can avail a personal loan up to ₹35 Crores, based on their eligibility.
Eligible City180 Cities across India.
Co-applicantNot mandatory, but only immediate family members can apply as a co-applicant.
EmploymentThe salaried employees should have a minimum of 2 years of total work-experience, and at least 6 months in the current company.
CIBILRequired (750-900)

Frequently Ask Questions for housing loan Calicut

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.

What is a housing loan?

A housing loan is a type of loan used to finance the purchase, construction, or renovation of a home or property.

What are the eligibility criteria for a housing loan in Calicut?

Eligibility criteria for a housing loan in Calicut vary from lender to lender. However, some common requirements include age, income, credit score, and employment status.

What is the maximum amount of loan I can get for a housing loan in Calicut?

The maximum amount of loan you can get for a housing loan in Calicut depends on various factors such as your income, credit score, and repayment capacity.

What is the interest rate for housing loans in Calicut?

The interest rate for housing loans in Calicut varies depending on the lender and other factors. At our housing loan agency, we offer competitive interest rates on our loan options.

What is the repayment period for a housing loan in Calicut?

The repayment period for a housing loan in Calicut can range from 5 years to 30 years, depending on the loan amount and the lender.

Can I prepay my housing loan in Calicut?

Yes, you can prepay your housing loan in Calicut. However, prepayment charges may apply, so it’s essential to check with your lender before making any prepayments.

What documents are required to apply for a housing loan in Calicut?

The documents required to apply for a housing loan in Calicut may vary from lender to lender. However, some common documents include income proof, identity proof, address proof, and property documents.

How long does it take to get a housing loan approved in Calicut?

The time taken to get a housing loan approved in Calicut varies depending on the lender and other factors. At our housing loan agency, we strive to provide a quick and hassle-free loan approval process.

Get Affordable Housing Loan in Calicut – Apply Now

CFC offers hassle-free and affordable housing loan options to help you fulfill your dream of owning a home in Calicut. Contact us today to learn more about our housing loan products and how we can assist you in securing your dream home.


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