Home Loans in Kolkata

Kolkata, also known as the City of Joy, is a cosmopolitan city with reasonable real estate prices. Over the years, Kolkata has emerged as a major infrastructure, engineering, construction, education and hospitality hub. Given the city’s fast-paced development, people from all parts of India flock to Kolkata. Hence, the property prices in the city have been gradually increasing without any seen sudden highs and lows across localities. Right from centrally located properties to new localities, you can find a variety of houses for sale in Kolkata. Renowned companies like TATA Consultancy Services, Wipro, IBM, and Cognizant are the major employment generators in Kolkata. The wide presence of corporates in the city has given rise to real estate demand.

This traditional yet liberal city has attracted numerous leading real estate developers from across India and therefore you will find a huge variety of living option in the shape of land for sale, flats for sale and corporate spaces. Taking a home loan in Kolkata can help you secure the home of your dreams without straining your budget. At Finserv Markets, we understand that owning a home of your own is an important milestone in your life. With Fiserv Markets, you can avail a home loan in Kolkata up to Rs. 3.5 crore to buy your dream home.

Eligibility Criteria for Home Loans in Kolkata

·         You must be aged between 23 to 62 years

·         You can apply for Home Loan for a Minimum of INR 10 Lakh and a maximum of INR 3.5 Crore

·         If you are employed, you must have at least 3 years of experience

·         You must be a citizen of India

Things to Consider Before Taking a Home Loan in Kolkata

Since Kolkata offers numerous Home Loan options, choosing the right one can be confusing. Here are some tips that will help you choose the right Home Loan in Kolkata: -

·         Since Home Loans are a long term commitment, ensure to opt for affordable EMIs

·         Check for any additional or hidden charges

·         Read the loan documents carefully

·         Read through the foreclosure norms carefully

·         Pick a Home Loan with affordable interest rates

·         Ensure that the Home Loan offer flexible repayment tenures

Features and Benefits of Home Loan in Kolkata

At Finserv Markets, we understand the ever-growing demands of a thriving metropolis like Kolkata. Our smart Home Loan options in Kolkata are designed to help you secure the home of your dreams at low-interest rates starting from 9.50%. Additionally, as our Home Loan customer in Kolkata, you can enjoy a host of unique benefits such as: -

·         Flexible repayment with Part prepayment facility

Save on interest expenses by availing our Home Loan Part Prepayment Facility. You can pay back a part of the loan in advance, however, the pre-payment amount should not be less than 3 EMIs of your Home Loan.

·         Home Loan +

The Home Loan+ is a unique feature offered with Finserv Markets Home Loans which gives you the option to avail an additional amount exclusively for buying fitting and fixtures that add a personal touch to your home.

·         No Hidden or Foreclosure Charges

With Finserv Markets, you don’t need to worry about any hidden charges for your Home Loans. Moreover, you have the freedom to close your Home Loan anytime without paying any foreclosure charges.

·         Balance Transfer with Top Up

Get a balance transfer or a top-up on an existing Home Loan at nominal interest rates without any extra documentation.

·         Online Account Access

Get access to all information about your Home Loan through the Finserv Markets Digital Portal - Experia.

·         Home Loan Insurance

Protect your loved ones from your Home Loan liability in case of an unfortunate event with customized Home Loan insurance.

·         3 EMI Holiday

Get 3 EMI free months, a unique feature that allows you to forgo the payment of 3 EMIs for the first 3 months. The cost of the first 3 EMIs is spread over the rest of your loan tenure. This helps you lower the initial costs of acquiring a Home Loan.