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The Right Home Loan that Fits Your Needs Can Certainly Help You.

No need to wait for years to step into your own space that you can call a Home. With Rishishwar Finance’s easy process Home Loans, you can experience the happiness of your own home in no time.

A Wide Range of Home Loan To Choose From
Bank Name Rate of Interest Processing Fees CIBIL Score Loan Amount Apply Now
PNB Housing Finance Home Loan Roshni- 10.50% to 14%, Prime 8.75% to 10% (Reducing) 10000 for Salaried, In Roshni-1%, Self Employed-0.50% 625+ Upto 10 Cr Apply now
Mahindra Finance Home Loan 9% Onwards 1%-3% 650+ Upto 50 Lac Apply now

Home is where the heart is!

Regardless of their economic category, every individual desires a sweet abode they can call home. Some people get the privilege to own one, and some just keep it on their bucket list for years and years. But gone are the days when people had to wait for decades to invest in their house; now, with the help of convenient home loans, it is a matter of days. A home loan helps those who want to invest in a house but don’t have the right financial position to do so.

With the help of a home loan, an individual can easily purchase or build a home of their own and repay the amount in easy EMIs. A Home is more than just a property for people, it’s a space for them to create memories with their loved ones. Therefore, the urge to own a house is more than just a status symbol in India. The concept of Home Loans has helped crores of people buy a space they can call their own.

What is a Home Loan?

A Home Loan or mortgage loan is provided by any lender to any borrower for the purpose of purchasing any residential property. This Loan is majorly taken by those who want to buy a house but don’t have the full purchase price available upfront. This is a secured loan where the house itself works as collateral.

How Does a Home Loan Work?

A Home loan works by providing individuals with a lump sum of money that they can use for their House Purchase and repay within the given repayment tenure, keeping the interest rates in mind. Let’s break down the steps for you:

  • Home Loan Application Submission
  • Eligibility and Credit Check of the Borrower
  • Loan Approvals
  • Disbursements
  • Repayment terms
  • Monthly Payments
  • Prepayment and Penalties
  • Use of the Loan for Property Purchase
  • Completion of the Loan

Benefits of a Home Loan

  • Own a property and build equity over time
  • Manageable Monthly Payments
  • Tax Benefits
  • Various Loan Options
  • Long-term Investment
  • Credit Building
  • Balance Transfer Facility

Required Documents to Apply for a Home Loan 

  • PAN card
  • Aadhaar Card
  • Driving License
  • Home Utility Bill
  • Income-related documents such as Bank account statements
  • Employment/ business-related documents, such as salary slips or profit and loss statements, and property-related documents

Required Eligibility to Apply for a Home Loan 

  • The age limit of the applicant must be 23 to 65
  • The CIBIL Score of the applicants must be 700-750
  • The applicant must have a stable source of income
  • The applicant must be an Indian Resident


  • A home loan, also known as a mortgage, is a type of loan provided by financial institutions to help individuals purchase a home. The loan is secured by the property being purchased.
  • When you take out a home loan, the lender provides you with a sum of money to buy a home. You then repay the loan amount, including interest, over a specified period, usually through monthly installments.
  • The loan-to-value ratio is the percentage of the home’s purchase price that the lender is willing to finance. The remaining amount is the down payment you need to make.

With a fixed-rate mortgage, the interest rate remains constant throughout the loan term. An adjustable-rate mortgage has an interest rate that can change periodically, typically after an initial fixed period.

Home loan terms can vary, but they typically range from 15 to 30 years. Shorter terms often come with higher monthly payments but lower total interest costs.