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Why 90 Home Loans ?
Free Expert Consultation
Receive personalized guidance at no cost. Our mortgage specialists will analyze your finances and recommend the ideal loan solution for your specific needs.
Loan Tenure upto 30 Years
Opt for extended repayment periods up to 30 years to reduce monthly payments. Balance comfortable installments with your other financial priorities.
Attractive
Interest Rate
Enjoy competitive rates that keep your payments affordable. Our lender network ensures you receive the best available rates, saving you thousands over your loan term.
Minimal
Documentation
Skip the paperwork hassle with our streamlined process. We require only essential documents, helping you secure your home loan faster.
Frequently Asked Questions
What documents do I need to apply for a Home Loan with 90 Home Loans?
For Individuals:
- Identity & Address Proof: Aadhaar, Passport, Driving License, Voter ID, NREGA Card, or NPR Letter with your name and address
- Date of Birth Proof: Passport, Driving License, Voter ID, NREGA Card, or NPR Letter
For Businesses:
- For Sole Proprietorships: Government registration certificates, tax returns, GST certificates, utility bills, etc.
- For Partnerships: Partnership Deed plus standard documentation
- For LLPs & Companies: Incorporation certificates, agreements, shareholder details
- For Trusts & Societies: Registration certificates and member details
Income Documentation:
- Salaried Applicants: Latest Form 16, recent salary slip, 6 months of bank statements
- Self-Employed Applicants: 6 months of bank statements, 2 years of ITRs, financial statements, and 1 year of GST returns
Note: Our team may request additional documents based on your specific situation.
What interest rate options does 90 Home Loans offer?
At 90 Home Loans, we provide two types of interest rates:
- Floating Rate: Linked to the repo rate movement – when the repo rate changes, your interest rate adjusts accordingly
- Fixed Rate: Remains constant for an initial period (typically a few years), then converts to a floating rate
How does 90 Home Loans evaluate loan applications?
Our approval process considers multiple factors:
- Your CIBIL score
- Income stability
- Employment history
- Property details and valuation
- Down payment capacity
What loan tenures are available at 90 Home Loans?
- Home Loans: Up to 30 years
- Loan Against Property (LAP): Up to 15 years
- Non-Residential Property Loans (NRP): Up to 20 years
Will applying for a loan with 90 Home Loans affect my credit score?
There may be a temporary impact on your score during the application process. However, making timely EMI payments on your 90 Home Loans mortgage will likely improve your credit score over time.
What percentage of my property's value can I borrow from 90 Home Loans?
This is known as the Loan to Value (LTV) ratio:
- Home Loans: Up to 90% (varies based on loan amount)
- Non-Home Loans (LAP and NRP): Up to 80%
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