Own your home.Finance it the right way.
The Uncomfortable Truth
Why many home buyers make costly loan decisions ?
- Choosing loan based only on EMI
- Ignoring long-term interest cost
- Not comparing multiple lenders
- Overstretching affordability
- Missing better structuring options
Right Purchase.
Right Structure.
- We don’t push maximum loan eligibility
- We don’t optimise only for EMI
- We don’t ignore long-term financial goals
- We align loan with your life plan
OUR HOME LOAN FRAMEWORK
Income profile
Salary or business income
EMI affordability
Comfort vs stretch
Loan requirement
Property cost and funding need
Tenure planning
Short vs long-term impact
Credit profile
Eligibility and score
Property evaluation
Legal and lender approval
Down payment strategy
Liquidity vs loan balance
Future goals
Impact on investments and life plans
KEY FEATURES & BENEFITS
▪ Funding for ready homes, under-construction properties, and plots
▪ Competitive interest rates (~8.35% p.a. onwards*)
▪ Long tenure up to 30 years (salaried)
▪ High loan eligibility based on income
▪ Multiple lender options
▪ Balance transfer facility available
▪ Transparent process with no hidden charges
Key planning questions
Is EMI comfortable or just manageable?
Long-term comfort matters.
Is tenure too long?
Lower EMI may increase total cost.
Is down payment optimised?
Balance liquidity and borrowing.
Is property legally clear?
Approval is critical for smooth processing.
HOW HOME LOAN SHOULD BE STRUCTURED
Assessment
Understand your requirement
Budgeting
Define EMI and tenure
Comparison
Evaluate multiple lenders
Execution
Approval and disbursal
Who This Is For ?
- First-time home buyers
- Buyers purchasing plots or constructing homes
- Salaried and self-employed individuals
- Investors upgrading or refinancing
A STRUCTURED 5-STEP JOURNEY
Discussion
Understanding your requirement
Recommendation
Selecting best lender
Guidance
Loan released and purchase completed
Assessment
Checking eligibility
Execution
Documentation and approval
ELIGIBILITY & DOCUMENTS
Eligibility:
▪ Salaried and self-employed individuals
▪ Age: 21–60 (salaried) / 65 (self-employed) at maturity
▪ Stable income and good credit history
▪ Property legally clear and lender-approved
Documents Required:
▪ KYC (Aadhaar, PAN, Passport, Voter ID)
▪ Address proof
▪ Income proof (salary slips, Form 16, ITRs, bank statements)
▪ Property documents (sale agreement, khata, approvals)
▪ Business proof (for self-employed)
INTEREST RATES & CHARGES
What to expect
▪ Interest Rate: ~8.35% p.a. onwards*
▪ Processing Fee: Nominal
▪ Prepayment: Often zero for floating-rate loans
▪ Other Charges: Legal, valuation, technical (case-specific)
OUR IMPACT
Why families trust Paisa Nurture
1000+ families
CFP-led advice
Unbiased advice
Long-term advisory
Zero mis-selling
Don’t just buy a home. Finance it wisely.
Discover the full spectrum of financial
services. More Than You Thought.
Better Than You Expected.
Quick Links
- We offer our services without charging separate advisory fees.
- Mutual Fund investments are subject to market risks.
- Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.