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 without the usual back-and-forth.
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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
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.