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Unnati Loan
Flexible home loans designed for construction, purchase of new/resale properties, group housing projects, and balance transfers with top-ups.
Loan At a Glance
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LTV RatioWe believe in financial inclusion and understand that not everyone has access to formal income and legal documentation. That’s why we’re proud to introduce ‘Unnati Loans,’ a specialized loan against property product designed to cater to individuals in smaller towns and Tier II cities. We recognize the unique challenges faced by individuals in these locations and are here to offer tailored loan solutions for various needs, including debt consolidation, asset acquisition, wealth creation, and more. With ‘Unnati Loans,’ we prioritize understanding your situation, making homeownership and financial goals achievable, even without traditional paperwork. At IKFHFL, we’re committed to making a positive difference in your financial journey, regardless of your location or circumstances.
Key Features & Benefits
Designed to make your home ownership journey simple, transparent, and affordable
Flexible Repayment
We offer adaptable loan repayment terms, stretching up to 15 years or until the borrower's retirement age. We believe in tailoring loan repayments to your unique financial situation, making homeownership more accessible and manageable. With us, you can comfortably repay your loan while securing your dream home, all on your terms.
Simple Documentation
We pride ourselves on offering loans with lightning-fast processing times, thanks to our cutting-edge digital technology. With us, you can access the funds you need quickly and conveniently, making your financial goals a reality in no time.
Transparent Service
Adaptable loan repayment terms, stretching up to 20 years or until retirement age.
No Hidden Charges
IKFHFL offers loans with complete transparency and no hidden charges. We believe in straightforward financial solutions, ensuring you have a clear understanding of your loan terms without any unexpected fees.
Check Your Eligibilty
Simple criteria to qualify for a Regular Home Loan with IKF Home Finance
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Age Criteria
Minimum age: 24 years at time of application
Maximum age: 70 years at loan maturity
Co-applicants can extend eligibility
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Employment Status
Salaried employees (min. 2 years experience)
Self-employed professionals
Self-employed non-professionals
Non-individual entities/companies
Required Documents
Keep these documents ready for a smooth application process
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Document Management
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Automated document processing
Secure cloud storage
Version control & tracking
Team collaboration tools
Export in multiple formats
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Address Proof
Aadhaar Card
Passport
Voter ID
Utility Bills (recent)
NREGA Job Card
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Income Proof
Salary slips (3 months)
Form 16 / ITR
Bank statements (6 months)
Appointment letter
Business financials (if self-employed)
Plan Your Home Loan Payments
Use our EMI calculator to estimate your monthly payments and plan your finances better.
How to Apply
Get your home loan approved in just 3 easy steps
Submit Application
Fill out our simple online application form and upload required documents digitally
Property Assessment
Our credit manager conducts a thorough property evaluation and verification
Loan Approval
Approval based on income, requirements, and property evaluation - funds disbursed quickly
Tax Benefits on Home Loans
Maximize your savings with income tax exemptions available on home loans under the Income Tax Act.
Tax Saving Example
Common Questions
Everything you need to know about Regular Home Loans
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