Home Loan in Pollachi & Udumalpet

Home Loans in Pollachi & Udumalpet

Buying a home is the most important financial decision of your life. Guhan Capitals guides you through every step — from choosing the right bank to getting the best interest rate and completing all documentation seamlessly.

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Home Purchase Loan

Buy a ready-to-move or under-construction property

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Home Construction Loan

Build your own house on your plot with staged disbursals

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Balance Transfer

Move your existing home loan to a bank with lower rates

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Plot + Construction

Purchase a plot and construct — single combined loan

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Home Improvement Loan

Renovate, extend or repair your existing home

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Top-up Loan

Additional funding over your existing home loan

Eligibility criteria

✓Age 21–65 years (loan closed by 70)
✓Salaried: ≥ ₹20,000/month net income
✓Self-employed: ITR ≥ ₹2.5L p.a. for 2 years
✓CIBIL score ≥ 700 (750+ for best rates)
✓Property with clear title
✓Property valuation ≥ loan amount × 1.3

Documents required

📄Aadhaar & PAN card
📄Income proof (salary slips / ITR)
📄Bank statements – 6 months
📄Property documents (sale deed, EC)
📄Approved building plan (if construction)
📄Employer letter / business proof

Home loan benefits with Guhan Capitals

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Best rates guaranteed

We compare SBI, HDFC, ICICI, Axis & 9 more lenders

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Free legal check

We review property documents for any red flags before you apply

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End-to-end support

From application to registration — we are with you every step

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EMI planning

Use our EMI calculator to plan your repayment before you apply

How to apply — 4 simple steps

Free consultation

Share your income & property details — we check eligibility instantly

Bank selection

We shortlist the best bank based on rate, LTV and your profile

Documentation

Submit your KYC, income & property documents through us

Disbursement

Loan sanctioned & amount disbursed to seller / builder

Frequently asked questions

Q: What percentage of property value can I get?

Banks typically fund 75–90% of the property value (LTV). For properties above ₹75 lakhs, the maximum is 75%. You need to arrange the remaining amount as a down payment.

Q: Can I get a home loan on an under-construction property?

Yes. Banks provide home loans on under-construction properties with staged disbursals. Interest is charged only on the disbursed amount (pre-EMI interest).

Q: What is the benefit of a home loan balance transfer?

If your existing home loan has a higher interest rate, transferring to a bank offering a lower rate can save significant interest over the remaining tenure.

Q: Are there any tax benefits on home loans?

Yes. Under Section 24(b) you can claim up to ₹2 lakhs deduction on interest, and under Section 80C up to ₹1.5 lakhs on principal repayment per year.