Home Loan
To apply for a home loan, you'll need proof of income, credit history, employment verification, tax returns, and details about assets and liabilities.
Most lenders require documents from the last 6 months, including salary slips, bank statements, and IT returns.
Yes, most lenders accept scanned or digital documents during initial verification.
You can submit alternative documents or provide a written declaration depending on lender policies.
Mortgage Loan
Fixed-rate mortgages maintain the same interest rate throughout tenure, while adjustable-rate mortgages may fluctuate.
Adjustable-rate mortgages depend on market indexes and may increase or decrease over time.
Home loans help purchase homes; mortgage loans allow you to borrow against property value.
Personal Loan
A personal loan is unsecured and can be used for any personal purpose such as travel or medical expenses.
A good credit score, stable income, and clean financial history increase approval chances.
Approval can take from a few hours to 48 hours depending on lender and documentation.
Student Loan
You must submit admission proof, academic documents, income proof, and guarantor details.
For most education loans, a co-applicant is mandatory unless applying for government schemes.
Yes, a student loan can be approved if the co-applicant has a strong credit profile.
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