Home Loan EMI Payment

Home Loan Disbursement Process

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What is The Disbursement of Home Loan?

Wondering about the home loan disbursement process? There are three stages, namely the submission of the application form and documents followed by the sanctioning and the disbursement which is usually communicated through the home loan disbursement letter. This letter is where you will find the home loan disbursement schedule for your home loan.

It is also better to use a home loan eligibility calculator in order to understand the amount that you will be eligible for and a home loan EMI calculator to work out the amount to be repaid every month and whether you can afford it or not. Once you have approved the home loan sanction letter, the disbursement process will start.

The key home loan disbursement stages include the following:


Documents: You have to submit a signed duplicate copy of the offer letter and will be informed about the property documents need for disbursal of the home loan.
Legal Examination of Documents: The property papers like own contribution receipt, no objection certificate, and sale deed will be examined by a legal expert/lawyer. The report will give the nod towards taking the process further or added documentation may be needed.
Down Payment Amount and Date: You will be informed about the date of the down payment and the first installment required.
Transaction Documents: Documents to be executed include the likes of the Credit Facility Application Form and others which will have to be done.
Disbursement of The Loan Amount : The amount will then be disbursed in a single or more installments, post technical and legal property verification and subject to the sanction letter’s terms and conditions.

You can expect swift disbursal of your home loan at Bajaj Finserv where you get pre-approved home loan offers that save you time along with minimal documentation.