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Shubham Housing Finance

Welcome to Shubham Housing Finance, your go-to destination for hassle-free and affordable housing finance solutions in India. At Shubham, we understand the significance of owning a home – it’s not just about having a roof over your head, but about building dreams and securing a future. That’s why we are committed to making home ownership a reality for every individual, irrespective of their income level or employment type. Whether you are a salaried employee, self-employed professional, or a small business owner, Shubham Housing Finance is here to support your journey towards owning your dream home.

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Why Choose Shubham Housing Finance?

Shubham Housing Finance is more than just a lender; we are a partner who walks with you every step of the way. Our core belief lies in providing simple, transparent, and customer-friendly housing finance options. With our easy-to-understand loan processes, flexible repayment options, and personalized customer support, you can rest assured that your dream of owning a home is in safe hands.

Key Highlights of Shubham Housing Finance

  • Customer-Centric Approach: We prioritize customer satisfaction and convenience above all. Our loan products are designed to meet the diverse needs of different customers, ensuring that no one is left behind.
  • Fast Loan Processing: Time is of the essence, and we value it. Our streamlined loan approval process ensures that you get the funds you need quickly, without unnecessary delays.
  • Affordable Interest Rates: Shubham Housing Finance offers competitive interest rates, making home loans affordable and accessible to everyone.
  • Flexible Repayment Options: Understanding that each customer has unique financial capabilities, we offer flexible repayment plans that can be customized to suit your financial situation.
  • Transparency and Integrity: We believe in maintaining transparency with our customers. There are no hidden charges or unpleasant surprises – what you see is what you get.

Shubham Housing Finance Features

Shubham Housing Finance is known for its innovative features that cater to the specific needs of our customers. Here’s a closer look at some of the standout features that set us apart:

1. Wide Range of Loan Products

  • Home Purchase Loans: Whether you’re looking to buy a new home or a resale property, we provide loans that cover up to 90% of the property value.
  • Home Improvement Loans: Give your existing home a facelift or undertake essential repairs with our home improvement loan options.
  • Home Construction Loans: Planning to build your dream house from scratch? Our construction loans provide the financial backing you need.
  • Home Extension Loans: Need more space? Our home extension loans are perfect for adding extra rooms or floors to your existing home.
  • Plot Purchase Loans: Purchase the plot of your dreams and build your home at your own pace with our plot purchase loans.

2. Affordable and Competitive Interest Rates

  • Shubham Housing Finance offers some of the most competitive interest rates in the market, starting as low as 8.5% per annum.
  • Our interest rates are designed to be customer-friendly, ensuring that your monthly EMIs are affordable and fit comfortably within your budget.

3. Flexible Tenure Options

  • Choose a repayment tenure that suits your financial comfort. Our loan tenures range from 5 years to 20 years, providing you with the flexibility to repay at your own pace.

4. Easy and Hassle-Free Application Process

  • Simplified documentation requirements make applying for a loan with Shubham Housing Finance a breeze. We require minimal paperwork, ensuring a hassle-free experience.
  • Our user-friendly online application portal allows you to apply for a loan from the comfort of your home.

5. Personalized Customer Support

  • Our dedicated customer support team is always ready to assist you. Whether you need help with loan application, documentation, or understanding the loan terms, we are just a call away.
  • We provide multilingual support to cater to customers from different regions and backgrounds.

6. No Prepayment Penalties

  • Enjoy the freedom to prepay your loan without worrying about penalties. If you have surplus funds, you can make part or full prepayments to reduce your loan burden.

7. EMI Calculator Tool

  • Our online EMI calculator is a handy tool that allows you to calculate your monthly EMIs based on the loan amount, interest rate, and tenure. This helps you plan your finances better.

8. Loan Eligibility for All

  • Shubham Housing Finance extends its services to salaried individuals, self-employed professionals, and even those with irregular income patterns. We believe in providing opportunities for everyone.

Shubham Housing Finance Loan Application Process

Applying for a home loan with Shubham Housing Finance is a straightforward and efficient process. Here’s a step-by-step guide to help you understand how it works:

1. Initial Inquiry

  • Visit our website or walk into any of our branches to initiate your loan inquiry. Our friendly staff will guide you through the basic requirements and eligibility criteria.

2. Documentation

  • Gather the necessary documents such as identity proof, address proof, income proof, bank statements, property documents, and photographs. A detailed list will be provided during the initial consultation.

3. Application Form

  • Fill out the loan application form with accurate details. You can do this online through our website or at any of our branch offices.

4. Credit Assessment

  • Our credit assessment team will evaluate your application based on your credit score, income stability, and other financial factors. We maintain a fair and unbiased evaluation process.

5. Loan Approval

  • Once your application is approved, you will receive a loan sanction letter detailing the loan amount, interest rate, tenure, and other terms and conditions. Review the terms carefully before accepting.

6. Disbursement

  • Upon acceptance, the loan amount will be disbursed directly to the seller or builder, or to your account for self-construction loans. We ensure quick and timely disbursement to meet your needs.

7. Repayment

  • Start repaying your loan through easy EMIs. We offer multiple payment options, including online payments, ECS, and post-dated cheques for your convenience.

Shubham Housing Finance Eligibility Criteria

We believe in empowering individuals from all walks of life to achieve their dream of owning a home. Here’s what you need to qualify for a loan with Shubham Housing Finance:

1. Age

  • Applicants should be between 21 and 65 years of age at the time of loan maturity.

2. Income Stability

  • Salaried employees, self-employed professionals, and small business owners with a stable income source are eligible to apply.
  • A minimum income threshold is required, which varies based on the type of employment and loan amount.

3. Credit Score

  • A good credit score enhances your chances of loan approval and may also result in better interest rates. We assess creditworthiness based on credit history and repayment behavior.

4. Employment Tenure

  • For salaried individuals, a minimum work experience of two years is required, with at least one year of current employment.
  • Self-employed applicants should have a stable business operation history of at least three years.

5. Property Documents

  • Clear property titles and legal ownership documents are mandatory. The property should be within the approved geographical locations as per Shubham Housing Finance policies.

6. Co-Applicant

  • Having a co-applicant can enhance loan eligibility. Immediate family members such as spouses, parents, or children can be co-applicants.