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Home Loan
Home Loan
A home loan, also known as a mortgage, is a financial arrangement that enables individuals to purchase real estate, such as a house or apartment, without paying the full purchase price upfront. Typically offered by banks and financial institutions, a home loan provides borrowers with the necessary funds to acquire their dream home. In exchange, borrowers commit to repaying the loan amount plus interest over a specified period, often 15 to 30 years. The property itself serves as collateral, giving lenders security in case of non-payment. Home loans make homeownership more accessible to a wider range of people, allowing them to spread the cost over time while building equity in their property. These loans play a pivotal role in the real estate market and the achievement of homeownership goals for millions of individuals and families worldwide.
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Home Ownership
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Affordable Payments
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Flexibility
Home Loan Policy
- Instant Digital Home Loan only with KYC
- Credit Amount: ₹1,000-₹30,000 (Disbursal Amount
- Monthly Interest rate: From 2.4%
- Repayment Tenure: 62 days
- Processing Fee: 0-15%
- Repaying on time improves your credit score and gives you access to higher amounts
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Our Loan Products
Welcome to SVN Financial HUB - Your Trusted Partner for Home Loans
At SVN Financial HUB, we understand that financial needs can arise at any time, and having a reliable partner to help you navigate through these challenges is crucial. We are here to be that partner, offering a wide range of loan solutions tailored to your unique requirements. With years of experience in the financial industry, we have earned the trust of countless clients by delivering transparent, reliable, and customer-centric services. Home Loan Providers in Hamirpur.
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Personal Loans
Whether you need funds for a major life event, debt consolidation, or unexpected expenses, our personal loans offer competitive rates and flexible terms. We tailor our personal loans to your specific financial situation, ensuring that you can comfortably achieve your financial objectives.
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Vehicle loan
A vehicle loan, also known as an auto loan or car loan, is a type of financial arrangement that allows individuals to purchase a vehicle, such as a car, truck, motorcycle, or recreational vehicle (RV), by borrowing money from a lender. Vehicle loans are a common method for people to finance the purchase of a vehicle when they don't have the cash to pay for it outright.
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Home Loans
Saving money today secures tomorrow's dreams – invest wisely and build a brighter financial future.
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Education Loan
Student loans are specifically designed to help students pay for their education expenses, including tuition, books, and living costs.
Why Choose SVN Financial HUB
for Your Home Loan:
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Experienced Team
Our team of financial experts has extensive knowledge of the lending industry. We leverage this expertise to provide you with personalized loan solutions that fit your needs.
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Transparent Process
We believe in transparency. We'll walk you through the entire loan process, ensuring you have a clear understanding of rates, terms, and repayment schedules.
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Quick Approval
Time is of the essence, and we understand that. Our efficient loan approval process means you can access funds when you need them most.
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Exceptional Customer Service
At SVN Financial HUB, our clients are our priority. Our friendly and knowledgeable customer service team is always ready to assist you with any questions or concerns.
Talk to our Home Loan Experts
Get in touch with SVN Financial HUB today. Our team is here to answer your questions and assist you in finding the perfect Home Loan solution to fit your needs. Talk to us today for peace of mind tomorrow.
Buy online
You to pay through multiple payment options, you can pay through
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Paypal Account
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Online ATM
After buying
After buying, ensure to read the instructions & enjoy the purchase.
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Extended Lifespan
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Warranty Activation
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Satisfaction Assurance
Get in Touch
At UIC, the customer comes first. We always delighted to hear from you, any time of the day.
WE ALWAYS HELP
Frequently Asked Questions
? What is a Home loan?
Home Loan is a secured loan given by a bank against the security/hypothecation of an underlying property. In the event of failure to repay by the borrower, the bank can, subject to laws of India, attach/sell the underlying property and recover the principal amount and any outstanding interest thereon. A home loan can be availed for buying an under-construction property, resale property or even to construct a house on a vacant piece of land.
? How to check my eligibility?
For eligibility, you need to either be an Indian citizen or be a PIO. The eligibility depends on the cost of your house, age, income amount, qualification, etc.
? Is pre closure/part payment allowed in Home loans?
Home Loan preclosures are allowed without any extra charges as long as the mode of repayment you have chosen is Floating rate of Interest and not a fixed rate of interest. Regarding part payment, some banks may have a restriction on the number of times you can do a part payment per year and also the amount that can be part paid in a year. Please ask for clarifications to our or the banks’ loan advisor on all these factors before signing the loan document.
? How is the rate of interest, processing fee, pre closure fee determined on my Home loan?
Unlike personal loans, every bank has a single rate of interest for all customers and it does not vary from customer to customer. The Fixed rate of interest will be slightly higher than the Variable rate of Interest. So it depends on which option you choose.
? What is the rate of interest and processing fee on Home loans?
The current rate of interest is varying between 9.40% to 9.70% depending on bank to bank. The processing fee is around Rs 10,000 which needs to be paid to the bank upfront at the time of submitting the application.
? What is the process to apply for loan?
First of all, you need to submit your application which will be evaluated on certain parameters depending on loan type. Property valuation and title check follow. Then, if the application is accepted, you need to submit all the documents aforementioned.
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