Vashnavi Fintech
Helpline: +91 63956 53360 Email: info@vashnavifintech.com Mon - Sat: 9:30 AM - 6:30 PM
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Housing Finance

Home Loan & Balance Transfer

Turn your dream home into reality with India's lowest interest rates starting from 8.40% p.a., long tenures up to 30 years, and hassle-free legal verification.

  1. Home
  2. Loan Products
  3. Home Loan
8.40%
Starting ROI (p.a.)
High Funding
Funding as per Eligibility
30 Years
Long Repayment Tenure
Up to 90%
Property Cost Funded (LTV)
Own Your Sanctuary

Your Journey to Homeownership Begins Here

Buying or building a home is one of the biggest emotional and financial milestones of your life. At Vashnavi Fintech Private Limited, we make that journey smooth, transparent, and affordable with flexible loan options, quick property approvals, and full support for Pradhan Mantri Awas Yojana (PMAY) subsidies.

New Flat / Villa Purchase

Finance ready-to-move-in or under-construction apartments from RERA-approved builders.

Construction & Plot

Funds to purchase a residential plot and construct your custom bungalow or duplex.

Balance Transfer + Top-Up

Switch your high-interest home loan to 8.40% and get extra top-up cash at home loan rates.

Home Renovation

Upgrade your existing home with modular kitchens, extra rooms, or designer interiors.

Home Loan Requirements

Applicant Eligibility

  • Resident Indian / NRI aged 21-65 years
  • Salaried: Min ₹25,000/month net salary
  • Self-Employed: 3 years in business with ITR
  • Co-applicants (Spouse/Parents) welcome to boost limit

Property Documents

  • Agreement of Sale / Allotment Letter
  • Chain of Title Deeds / Mother Deed
  • Sanctioned Building Plan & RERA Reg Number
  • NOC from Builder / Housing Society

Pricing & Fee Structure

Floating Interest Rate 8.40% to 10.50% per annum (Linked to Repo Rate / MCLR)
Processing Fee 0.25% to 0.50% (Capped at ₹10,000 + GST)
Prepayment / Foreclosure Charges NIL (Zero) on Floating Rate home loans for individuals
Tax Deductions Up to ₹1.5L on Principal (Sec 80C) + Up to ₹2L on Interest (Sec 24b)
Quick Assistance

Enquire for Home Loan

Get in-principle assistance with lowest EMI options.

RERA & RBI NBFC Partner Network
Housing Queries

Home Loan FAQs

Under RBI guidelines, lenders can finance up to 90% of the property value depending on property evaluation, income profile, and eligibility criteria.

Homeowners can claim tax deductions up to ₹1,50,000 on principal repayment under Section 80C, and up to ₹2,00,000 on interest paid under Section 24(b) of the Income Tax Act, resulting in substantial annual tax savings.

If you are paying a higher interest rate with your existing bank, Vashnavi Fintech helps you transfer the outstanding balance to a partner bank offering rates as low as 8.40% p.a., saving you lakhs in interest. You can also get an additional Top-Up loan for personal or business use.