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Home Improvement
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 RatioOur regular home loans are versatile, designed to fit your needs, whether you’re constructing your dream home, buying a ready-built house or flat (new or resale), acquiring a flat in a group housing project, purchasing in an under-construction property, or considering a balance transfer with an added top-up. With attractive interest rates, adaptable repayment plans, and dedicated assistance, IKFHFL is your reliable companion on the path to owning your dream home.
Key Features & Benefits
Designed to make your home ownership journey simple, transparent, and affordable
Flexible Repayment
Adaptable loan repayment terms, stretching up to 20 years or until retirement age
Simple Documentation
Minimal paperwork requirements streamline the application process
Transparent Service
Adaptable loan repayment terms, stretching up to 20 years or until retirement age
Tax Benefits
Qualify for income tax exemptions under Section 24(b) and 80C
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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