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Home Loan

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Home Loan


Planning to buy a new home? We understand buying a new home is a lifetime investment for an individual and it needs a lot of research and strategic planning. We love to help people in buying their perfect dream home for the lifestyle they have always dreamed of! We at Invincible financial consultancy LLP, strive hard to make the buying process as easy and seamless as possible by providing the best counseling.

What is Home Loan?

Home Loan is the money you get from the lender to purchase a new flat or bungalow or resale property. The property against which the loan is applied to is valued mostly by the third party. The valuer then provides the estimated value to the lender. The loan amount depends on this value. There are few other technical factors involved as well. Invincible Finance has a huge network with banks and we provide you with the best possible option to go ahead with the loan.

What is PMAY?

PMAY is the abbreviation for Pradhan Mantri Awas Yojana which is the initiative started by the Government of India on 25th June 2015 to help people buy their dream home. Also, under the Credit Linked Subsidy Scheme, beneficiaries under PM Awas Yojana are eligible for interest subsidy if they avail of a loan to purchase or construct a house.

Who all can apply for a home loan?

Salaried Individuals (Both resident as well as Non-Resident Indians)

Self Employed Individuals (Customized schemes for doctors, CAs and other professionals)

What are the eligibility criteria for a home loan?

Various factors such as age, income, tenure, CIBIL score, etc are taken into consideration while giving the loan. Your income is the deciding factor for the loan amount you can avail of. Tenure is the period of duration you will be paying your monthly installments for the home loan. CIBIL score plays an important factor as it determines your loan capacity.

What are the interest rates for a home loan?

The home loan interest rate can be a fixed value or floating value. A fixed value rate of interest does change in the lifetime tenure of the loan. However, the interest rates applicable on floating-rate loans can be revised from time to time depending on the RBI key policy rates.