Your own home, sooner than you think.
We compare 15+ banks to find you the lowest rate, then handle the paperwork end to end.
Home Loan
A home loan from Skyline Finserv means we compare 15+ bank and NBFC partners to find you the lowest rate, then handle all paperwork — from document collection to bank follow-up — so you get the keys without the stress. We serve salaried and self-employed applicants across Gujarat.
Key features & benefits
Long repayment tenure
Repay over up to 30 years — the longer the tenure, the lighter your monthly outgo, even on a larger loan amount.
Competitive interest rates
We compare 15+ lenders in parallel and negotiate the best rate for your profile.
High loan eligibility
Banks typically fund 75–90% of your property's purchase cost — we match you to the lender whose criteria best fit your profile and loan size.
Tax benefits
Claim deductions on both principal (Section 80C) and interest (Section 24B) under the Income Tax Act.
No prepayment charges
For floating-rate loans, RBI guidelines allow prepayment or foreclosure without any penalty.
Balance transfer & top-up
Switch to a lower-rate lender anytime and even access additional funds via a top-up loan.
Who can apply?
Salaried Individuals
- Age: 21–60 years (at loan maturity)
- Minimum monthly income: ₹25,000
- Employment: at least 2 years total, 6 months current employer
- CIBIL score: 700+ preferred (650+ considered)
- Indian resident with valid KYC
Self-Employed / Business Owners
- Age: 25–65 years (at loan maturity)
- Business vintage: minimum 3 years
- Minimum annual income: ₹3 lakhs (ITR basis)
- CIBIL score: 700+ preferred
- GST registration recommended
Documents required
We collect documents at your doorstep — no branch visits needed.
Common (All Applicants)
- PAN Card
- Aadhaar Card
- Passport-size photographs
- Completed loan application form
Salaried Applicants
- Latest 3 months salary slips
- Last 6 months bank statements (salary account)
- Form 16 (last 2 years)
- Appointment letter (if less than 2 years with current employer)
Self-Employed / Business
- ITR with computation (last 2 years)
- CA-certified profit & loss and balance sheet
- Business registration proof (GST / Udyam / Shop Act)
- Last 12 months bank statements
Property Documents
- Sale deed / agreement to sell
- NOC from builder / society
- Approved building plan
- Property tax receipts
- Encumbrance certificate
Best tips for home loan
Compare total cost of loan (rate + processing fee), not just the headline interest rate.
A CIBIL score above 750 unlocks the lowest rates — check yours before applying.
Keep all property documents ready before approaching the bank to avoid delays.
Understand the difference between fixed and floating rates before choosing.
Ask specifically about part-prepayment rules — it can save lakhs over the tenure.
If you have an existing home loan at a high rate, a balance transfer could reduce your EMI significantly.
Calculate your monthly EMI
Adjust the sliders to see exactly what you'd pay each month.
Need a loan? Get instant approval.
Low interest rates from 8.5% p.a. · 15+ bank partners · Sanction in 3–7 days · Zero cost to you.