Frequently Asked Questions
Find answers to the most common questions about our home loans and application process.
What is the minimum documentation required for a Home Loan?
For salaried individuals, we require your Aadhaar Card, PAN Card, last 3 months salary slips, and last 6 months bank statement. Self-employed individuals will need to submit IT Returns for the last 2 years along with business proofs as per standard Indian banking regulations.
Are there any hidden charges in your loans?
No, Loanpage Homes believes in 100% transparency. Our processing fees range from 0.5% to 1% of the loan amount subject to a minimum cap. Any legal, technical, or stamp duty charges are disclosed strictly as per RBI guidelines before the loan is sanctioned.
How does the digital application process work?
You can fill out the online form to request a call back. Once connected, our team will share a secure link to upload your KYC and financial documents. We use automated algorithms linked with Indian credit bureaus (like CIBIL) to assess your eligibility instantly.
Can I pre-pay my home loan without penalties?
Yes, adhering to RBI directives, we do not charge any foreclosure or pre-payment penalties on floating rate home loans for individual borrowers. You are free to make part-payments or close the loan earlier than the stipulated tenure.
What is the maximum loan tenure I can opt for?
We offer flexible repayment terms extending up to 30 years, subject to your age of retirement. This helps in tailoring a monthly EMI that does not place an unfair burden on your current lifestyle.