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Home Loan

Buy Your Dream Home with Easy Home Loan.

Identified a property to buy or resale its time to reach us

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Business Loan in trichy
  • Self - Employment
  • Salaried

What Makes Kfis the Right Choice?

  • The Ideal Financial Support for Property Buyer
  • All Your home loan needs, Right Here.
  • Variable Repayment Terms
  • Fast-Track and Timely Funding
  • Wide Range of Lending Options
  • Trusted and Professional Support
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Partnered with 20+ Banks & NBFCs for Easy Financing

Who Can Apply For Home Loan

  • Sole Proprietor
  • Partnership
  • Private Limited
  • Limited Company
  • Salaried

Minimum Criteria Required For Home Loan

  • 💵 Stable Income (Prove ability to repay)
  • 💳 Good Credit Score (Generally 680+ or higher)
  • 🏠 Property Appraisal (Meets lender's value standards)
  • 🕰️ Job Stability (At least 2 years in current role)
  • Down Payment (10-20% of the property price)

Types Of Home Loan

  • 🏠 Buying New Apartment, Villa or Individual house
  • 🔄 Land Purchase + Construction
  • 🔄 Construction in preowned land
  • 🛠️ Property Resale & Renovation
  • 💳 New purchase home loan
  • 🏢 Resale Purchase home loan
  • 🏚️ Balance transfer & Top up
  • 🏚️ NRI Home Loan

Finding Out If You Qualify for a Loan

Instantly Confirm Your Eligibility!

Click here

Eligibility Criteria For Home Loan - Self Employed

At KFIS Elite Financial Solutions, the eligibility criteria for home loan for self-employed & salaried individuals depend on factors like income stability, credit score, and debt-to-income ratio. Meeting these requirements ensures a smooth application process and faster loan approval.

📜 Business Type
Ensure your business is registered as a 🏢 Sole Proprietorship, 🤝 Partnership, 🏛️ Pvt Ltd, 🏦 Limited Company, ⚖️ LLP, or 🏬 Corporate Entity.
⏳ Experience in the Industry
Your business should have 1+ years of active operation 🗓️ with industry expertise.
💸 Turnover Requirement
Your business must have a minimum monthly GST turnover of ₹30,00,000+ or higher 📈. Or The annual revenue covering the SME limits.
📊 Financial Consistency
Your business should have a reliable financial history ✅ with stable profits 💼📑.
💳 Minimum Credit Score
A credit score of 700+ 📈 is essential for both personal and business credit 🏦.
🏢 Proven Business History
A solid operational track record 📑 improves the chances of approval 📊.
👥 Age Eligibility Range
Applicants must fall within the age range of 21 to 65 years ⏳.

Eligibility Criteria For Home Loan - Salaried

📜 Nationality
Applicants must be residing Indian Citizens Or a Non Resident Indian ( NRI )
⏳ Work Experience
Overall Work experience must be 2 years and at least 6 months stable in the current company.
💸 Monthly Salary
Your monthly take home salary must be minimum of 1,00,000 and above. Rental income and Combined income from family members also considered for Mortgage, Home Loan, BT & Top-up
📊 Age
Applicant age must be between 18 to 60

Document Required For Home Loan - Self Employed

KFIS Professional Finance Services explains the document required for home loan for self employed & salaried applicants. Self-employed individuals need business records, tax returns, and income proofs, while salaried individuals must provide salary slips, bank statements, and employment details for a smooth loan approval process.

🪪 Required PAN Card
All applicants 👤🏢 must provide a valid PAN card 🪪 for loan processing.
🔍 Identity Verification
Choose from these: Aadhaar 🏷️, Passport ✈️, Voter ID 🗳️, PAN 🪪, or Driving License 🚗.
📊 GST Returns
Submit GST returns from the past 12 months 📆 for verification 📑.
🏡 Address Proof Submission
Acceptable documents for address proof: Aadhaar 🏷️, Passport ✈️, Voter’s ID 🗳️, or Driving License 🚘.
📄 Financial Documentation
A 12-month bank statement 🏦 is necessary for review.
📜 Income Tax & Financial Records
Submit recent Income Tax Returns 📑 and financial statements 📊 for the past 2️⃣ years, certified by a CA ✅ or audited 🔍.
🏢 Business Verification
Provide documents like ITR 📄, Trade License 🏪, Establishment Certificate 🏛️, or Sales Tax Certificate to prove business continuity.
📂 Required Supporting Documents
Include essential paperwork like Sole Proprietor Declaration ✍️, Partnership Deed 🤝, Memorandum & Articles of Association 📑, Board Resolution 🏦, and MSME & GST Registration 🏷️.

Document Required For Home Loan - Salaried

🪪 KYC Submission
All applicants 👤🏢 must provide a valid PAN card 🪪 Aadhar card mandatory document and present address proof
🔍 Payslip
Must provide with a last 6 months payslips.
📊Income Tax
Submit Form 16, TDS certificates 📆 for verification 📑.
🏡 Bank Statement
Submission of salary credited bank account statement for last 12 months
📄Property Documents
A Copy of set of property documents which is going to Mortgage

Interest Rate For Home Loan

When exploring home loan options, the interest rate for home loan for self employed & salaried individuals plays a significant role in deciding the total repayment amount. KFIS Professional Finance Services helps guide both self-employed and salaried clients to secure favorable rates based on financial needs.

  • Interest Rate: Starting at just 8.5% p.a.*
  • Starting at just 0.5%*, with processing charges and taxes.
  • Starting Loan Amount: ₹1 Crore, with increased loan amounts as per business potential.
  • Your EMI begins at ₹999* per lakh.
  • Loan Term: 12 months minimum, with a flexible maximum period.
  • Stamp duty varies depending on state laws.

(*Terms and conditions apply.)

Finding Out If You Qualify for a Loan

Instantly Confirm Your Eligibility!

Click here

Home Loan Servicing Industry

  • Professional Doctors
  • Clinics & hospitals
  • Engineers, Architects, Chartered Acc
  • Manufactures
  • Factory & Industries
  • Traders in All Sectors
  • Suppliers
  • Distributors & Dealers
  • Wholesalers & Retailers
  • Real Estate Project ( Builders & Developers )
  • Government Contractors
  • Super markets
  • Showrooms
  • Boutiques
  • Hotels & Restaurants
  • Pharmacy
  • Schools & Colleges ( Trusts / Societies )
  • Business Consultants
  • Supply Chain & Logistics
  • Transport contractors
  • Information Technology (IT companies)
  • Etc...

Apply for Your Home Loan Today and Make Your Dream Home a Reality!

If you’ve been dreaming of owning your own home, KFIS Growth Finance Solutions is here to help make that dream come true. We offer easy and reliable home loan services designed to suit your needs, ensuring that purchasing your dream home becomes a seamless experience.

When you apply for your home loan today, you gain access to competitive interest rates and flexible repayment options, making it easier than ever to secure a loan that fits your budget. KFIS Growth Finance Solutions is dedicated to providing excellent customer service, guiding you every step of the way.

With KFIS Growth Finance Solutions, owning a home is now within your reach. Don’t wait any longer — apply for your home loan today and take the first step toward your new home.

home loan approved

Get Approved for Your NRI Home Loan in Just a Few Steps!

KFIS Strategic Funding Solutions provides a seamless process for NRIs to secure a home loan in India. Whether you’re looking to buy a flat, house, or apartment, we offer a quick and transparent application process. With easy documentation and fast approval times, you can focus on making your property dreams a reality.

At KFIS Strategic Funding Solutions, we understand the unique challenges that NRIs face when applying for a home loan. That’s why we offer personalized assistance, ensuring the process is smooth and stress-free. Our team of experts is dedicated to helping you through each step, ensuring you get the best loan option for your needs.

Ready to own a home in India? Get Approved for Your NRI Home Loan in Just a Few Steps! Contact KFIS Strategic Funding Solutions today and begin your journey towards homeownership with ease and confidence.

Home Loan Balance Transfer Made Easy – Apply for Savings Today

If you’re looking to reduce your home loan EMI and save on interest, Home Loan Balance Transfer Made Easy is the way to go. By transferring your existing home loan to a lender offering lower rates, you can significantly cut down on your monthly payments. KFIS Financial Solutions makes this transition smooth and effortless.

At KFIS Financial Solutions, we simplify the home loan balance transfer process. Our team of experts will guide you through each step, ensuring you find the best possible loan terms for your financial needs. You can trust us to help you make an informed decision that will lower your expenses.

Don’t wait any longer to start saving! Home Loan Balance Transfer Made Easy – Apply for savings today with KFIS Financial Solutions and enjoy reduced EMIs, better rates, and a more manageable home loan.

Home loan bt & to-up

6 Easy Steps to Complete Your Home Loan Application

Step 01

📋 Eligibility Check

Step 02

📝 Document Preparation

Step 03

💻 Application Submission

Step 04

📂 Document Verification

Step 05

✅ Loan Approval & Offer Review

Step 06

₹ Fund Disbursement

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Frequently Asked Question

What is Home Loan?

Home Loan is a loan which is specially designed by RBI for all individuals or a firm to purchase a new property or construction in preowned property. Purchase can be either a Residential Villa or Apartment, a commercial building, An Industrial building. It can be a Vacant Land purchase + Construction @ lowest interest rates.

How can we get lowest interest rate for home loan?

The lowest interest rates for home loan’s are starts from 8.35% and same can be possible for strategic income and the excellent credit history with  highest cibil score.  KFIS Financial Strategy Solutions helps you get the best terms and rates, ensuring a smooth and hassle-free loan process.

What are the benefits of taking a Home Loan?

If an individual or a firm takes a home loan can be eligible for tax benefits and our KFIS Expert guidance helps in more benefits of home loan.  More over a property purchase can be a boost benefit for future appreciation of properties. 

What is the loan-to-value (LTV) ratio for a Home Loan?

The Loan-to-Value ratio (LTV) determines how much you can borrow against the value of your property. Typically, the LTV for a home loan in upto 90%. KFIS Financial Strategy Solutions works to ensure you get the maximum LTV based on your property.

Can I Apply for a Home Loan Online?

Yes, KFIS Strategic Funding Solutions offers a streamlined online application process. You can apply for a home loan, submit necessary documents, and receive guidance every step of the way from the comfort of your home.

How Can I Qualify for a Home Loan Without Income Proof?

If an applicant who does not filing Income Tax can also be eligible for home loan. But the lowest loan amount is possible. To qualify for a Home Loan without income proof, the key requirement is the value of the property. KFIS Growth Finance Solutions evaluates the market value of your property, your credit history, and other factors to determine your eligibility for the loan.

What Types of Properties eligible for home loan

You can take home loan for purchase of residential Villa,  Apartment or a Resale building and commercial building. Construction of residential building or a commercial building Also comes under home loan. KFIS Growth Finance Solutions accepts a wide range of property types, provided they meet our valuation criteria. Our experts guide you through the process of securing the best loan offer based on your property.

District We Serve

  • Ariyalur
  • Chengalpattu
  • Chennai
  • Coimbatore
  • Cuddalore
  • Dharmapuri
  • Dindigul
  • Erode
  • Kallakurichi
  • Kancheepuram
  • Karur
  • Krishnagiri
  • Madurai
  • Mayiladuthurai
  • Nagapattinam
  • Kanniyakumari
  • Namakkal
  • Perambalur
  • Pudukottai
  • Ramanathapuram
  • Ranipet
  • Salem
  • Sivagangai
  • Tenkasi
  • Thanjavur
  • Theni
  • Thiruvallur
  • Thiruvarur
  • Thoothukudi
  • Trichirappalli
  • Thirunelveli
  • Tirupathur
  • Tiruppur
  • Tiruvannamalai
  • Nilgiris
  • Vellore
  • Viluppuram
  • Virudhunagar
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