Home Loan Goa

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Home Loan Goa

Best Banks For Home Loan Goa

Feature HDFC Bank ICICI Bank Bank of India
Interest Rate 6.95% to 8.2% 6.95% - 7.95% 6.85% to 7.15%
EMI/Lakh Rs. 662 Rs. 659 Rs. 655
Max Loan Amt Upto 10 Cr. Upto 10 Cr. Upto 10 Cr.
Loan Tenure Upto 30 years Upto 30 years Upto 30 years
Processing Fee Upto 0.5% of loan amount + GST 1% – 2% of loan amount + GST 0.25% - 0.50% of loan amount + GST
Preclosure Charges No prepayment charges for floating rates No prepayment charges for floating rates No prepayment charges for floating rates

Home Loan Goa Features

Buying a plot?

You can now apply for a Home Loan to reach up to 90% of the purchasing expenses!Home Loan Home Loan Goa

It is basically a loan that is taken to buy or construct a new residence. Here, the house for which the loan is used is not occupied by the loan candidate.

A Home Loan is not particularly handy for buying a home or building one but also the applicant who is using the loan can practice different systems for a home loan granted by the bank for additions, plot acquisition, renovation, and several other things associated with the home property.

A home loan is available on the subsequent varieties of property:

  • A plan for a new flat
  • Ready to Move House
  •  Plot From MHADA, DDA, etc.
  • Home construction
  • Home extension
  • Home renovation

Under Pradhan Mantri Awas Yojana Home Loans are also now available in Goa.

For more information on the Eligibility of a home loan visit DialaBank.

Home Loan Goa Interest Rates

Top 10 banks offering the lowest home loan interest rates for salaried individuals

Bank Name RLLR Minimum Home Loan Rate Interest Rate (%) Maximum Home Loan Rate Interest Rate (%)
Union Bank of India 6.8 6.7 7.15
Bank of India 6.85 6.85 7.15
Central Bank of India 6.85 6.85 7.3
Canara Bank 6.9 6.9 8.9
Punjab & Sind Bank 6.9 6.9 7.25
ICICI Bank 6.95 6.95 7.95
SBI Term Loan 6.65 6.95 7.45
Bank of Baroda 7 7 8.35
IDFC First Bank 7 7 8
Bank of Maharashtra 7.05 7.05 8.35
HDFC Bank 6.95 6.95 8.2

You can know more about Home Loan Interest Rates.

Home Loan Goa Documents Required

Salaried Individual:

Valid ID and Residence Proof of the individual: A copy of proof of Identity and Residence such as an Aadhaar Card, PAN card, Driving License, Passport, Voter ID, etc.

Income Proof:

  • Bank Statements showing wage credits from the latest 6 months.
  • Latest Wage Slips of the past 3 months.
  • Latest Form-16 issued and recent IT returns
  • Employment Contract/Appointment Letter by the employer if the current employment is less than a year old.

Property Related Documents:

  • A cheque for processing expense favouring ‘The Particular Bank’ should be mentioned.
  • Copy of the Buyer Agreement/Allotment Letter
  • Receipt/(s) of payment/(s) made to the developer

Self Employed Individual:

Valid ID and Residence Proof: A copy of Proof of Identity and Residence such as Aadhaar, PAN, Driving License, Passport, Voter ID, etc.

Income Proof:

  • Bank Statements showing salary credits from past 6 months.
  • Business Profile and latest past 3 years Income Tax returns (Both self and business)
  • Past 3 years Profit/Loss Account and Balance Sheet.

Proof Of Business: 

  • Educational Qualifications Certificates by the institutes
  • Business successes (Certificate or awards if any)

Property Related Documents:

  • A cheque for processing fee supporting ‘The Particular Bank.’
  • Study of the Customer Agreement or Allotment Letter 
  • Receipt/(s) of payment/(s) assigned

Agriculturists:

KYC Proof – PAN Card (Mandatory) and any of the Driving License/Voter ID/Passport

Income Proof:

  • Bank Statements giving salary credits from the last 6 months.
  • Photocopies of title records of agricultural Land showing crops being cultivated

Property Related Documents:

  • A cheque for processing fee supporting The Particular Bank.
  • Image of the Allotment Letter / Buyer Agreement
  • Receipt/(s) of pay/(s) assigned to the developer

Additional requirements for Co-applicants:

Passport size picture of all co-applicants to be attached on the Application Form and signed across

Know more about the Home Loan documents required.

Home Loan Goa Eligibility Criteria 

Salaried Individual:

  1. The applicant’s nationality should be compulsorily  Indian.
  2. The candidate must be between the age group of Minimum-18 years to Maximum-65 years.
  3. Must have working practice and a reliable source of salary i.e working under the same employer for slightest of one year.

Self Employed Individual:

Candidates who are not professionally associated in the working division but have their own source of constant income are also eligible for the Home Loan. This covers everybody who is a:

  • Tradesmen
  • Commission agent
  • Contractors

The following criteria   must be met to apply for a home loan in Goa:

  1. The applicant must be between the age group of (Minimum-18 years to (Maximum) 65 years.
  2. Must have working experience and a legitimate source of salary i.e working under the same employer for at least one year.

Self Employed Professionals:

Candidates who are professionally involved in the engaged working sector are eligible for the Home Loan in Goa. This holds everybody who is a:

  • Doctors
  • Lawyers
  • Charted Accountant
  • Architect
  • Consultant
  • Engineer
  • Company Secretary

The following criteria must be matched to apply for a home loan:

  1. The applicant’s country of origin should be Indian.
  2. The applicant must be within the age group of (Minimum) 18 years to (Maximum) 65 years.

Additional Criteria for Co-applicants:

  • Co-applicant must be a families part of the primary applicant.
  • All co-applicants are not expected to be the co-owners of the property.

Know more about Home Loan eligibility criteria.

How To Apply For Home Loan Goa

  • Visit  Dialabank if interested in a Home Loan.
  • Go to the particular city Home Loan page.
  • Check out all the qualification and documents criteria for a Home Loan.
  • Fill out all the specifications required in the Home Loan Goa application form.
  • Once done, our agent will soon reach you for a further stress-free process.

Processing Fees / Prepayment Charges On Home Loan Goa

Particulars Charges
Processing Fees Salaried Individuals: 0.50% of the loan amount or Rs. 3,000, whichever is higher
Self Employed Professionals: 0.50% of the loan amount or Rs. 3,000, whichever is higher
Self Employed Non-Professionals: Up to 1.50% of the loan amount or Rs. 4,500, whichever is higher
Prepayment charges No prepayment charges for floating rates

Home Loan EMI Calculator Goa

Know more about Home Loan EMI Calculator.

CIBIL Score Required For Home Loan Goa

A CIBIL score of minimum 750 and above is regarded by most banks and financial systems for a home loan. However, many lenders can also accept a loan with a CIBIL score between 650 to 750 if the candidate is one of their old customers or has a great relationship with the bank. In this case, the bank may impose moderately higher interest on the loan.

Keeping a good CIBIL score is a good use as every financial institution strictly examine the detailed behaviour of the previous loans taken. This involves features on the type of loan needed and the loan sum you have borrowed. Any delayed payments for past loans can act as a barrier to your availing of a fresh loan.

Check your CIBIL score in your credit record for more data on the score.

Home Loan Goa Agent / Broker

One of the major and best agencies of Home Loan Goa is  Dialabank. Having a huge  experience in the field put an    advantage. Dialabank has worked with  thousands of loan  seekers and has  successfully achieved something is agreed upon!

You can visit Dialabank for information about a  Home Loan.

Home Loan Goa Contact Number

You can reach us by dialling 9878981166 to get more information about home loans and we will provide you the best advice to help you fulfil your dreams of having a home.

Pre Calculated EMI Table for Home Loan Goa

About Goa

Goa is India’s smallest state by area and the fourth smallest by population. The place is famous for its seaside banks, places of worship, and world heritage architecture. Goa draws a large number of tourists from international as well as domestic visitors each year. Goa is also known as the city of Beaches.

Get Home Loan Goa information on Dialabank online!

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