Home Loan EMI Payment

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Step by Step Procedure to get a Home Loan?

There are several steps involved in the sanctioning of a home loan. However, these steps are performed quickly, and your loan can be disbursed in 4 days.

Following are the steps involved to avail a home loan –

Step 1. Application
The first step is filling the application with a few details like name, phone number, pin code, type of employment, etc. A representative will get in touch with you to move forward with the application procedure.

Step 2. Document collection
The representative will come at our doorstep to collect the required documents for home loan, which include –

  • Documents of the property to be mortgaged.
  • Identity proof – Aadhaar, PAN, Voter ID, Passport, Driving License, etc.
  • Address proof – Latest utility bill, any identity proof with your permanent address, etc.
  • Latest salary slips or Form 16.
  • Bank account statements.
  • Proof of business existence.
Step 3. Document processing and verification

The lender will process and authenticate your documents. They may contact your office or relevant organisation to confirm your employment or occupation.

In this step, they will also conduct a credit enquiry to check your CIBIL score and credit report.

Your loan application will move to the next step only if all the documents are in order, and your CIBIL score and credit report are satisfactory.

Step 4. Sanction letter

You will receive a sanction letter after successful completion of all the above steps. A sanction letter usually contains the following details –
  • Loan amount
  • Rate of interest
  • Type of interest rate – fixed or variable
  • Repayment tenor
A sanction letter may also contain other terms, conditions, and policies of your home loan. You have to sign a copy of this letter and revert to the lender to accept their offer.
  Step 5. Secure fee payment

You have to pay a one-time secure fee after you sign the sanction letter. The lender may ask you to pay this fee even before.

Step 6. Legal and technical check

The lender will perform a legal and technical check before disbursing your loan. They will send representatives to the site for inspection.

Step 7. Loan agreement and disbursal

You will receive the final agreement after the lender has performed all their checks. Finally, the company will disburse your home loan as per the terms.

Additional: Check your eligibility before applying home loan

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