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Rate of Interest-11.90% To 16% - Eligibility Criteria

We all want to own a house that we can call home, but a lot of us do not have the funds to pay for a house outright. This is where Home Loans come to the rescue. Credit In Time's 'Home Loan' is easy to apply, with flexible re-payment options, one of the best interest rates in the market, and an effortless and quick approval and funding. We understand that deciding to buy a home is no easy feat, and we want to assist you in getting the house of your dreams, that will be your forever home. Our customer's needs and comfort are our utmost priority.

What is ‘Home Loan’?

'Home loans' are loans that an individual takes to purchase a house. These loans have a flexible interest rate and re-payment terms. The borrower uses the loan amount to fund the upfront cost of buying the house and repay the amount on a later date in form of multiple monthly installments, covering a certain amount of time depending on the funding amount and the financial capacity (or income) of the borrower.

Trusted Lending Partner


Type Of Property

General power of attorney (GPA)

Lal Dora

Regularised Colony


Step 1

Apply online and our representative will reach out to you or visit our branch nearest to you

Step 2

Our representative will come to your place of work/home to explain the product and process and collect the necessary documents

Step 3

We evaluate your documents, have a discussion with you and do the necessary checks. If everything goes well, we sanction your loan

Step 4

Submit the remaining documents and your loan is disbursed

Eligibility Criteria

  • Customer should be more than 21 years of age but not more than 65 years at the time of loan maturity.
  • Borrower should have a bank account.
  • All the owners of the property being financed and all individuals whose income has been considered for the loan have to be the co-applicants to the loan.

Documents Requirement

  • Identity proof such as Pan Card, Voters ID Card, Passport.
  • Address proof such as electricity bill, ration card
  • Income proof documents, if available
  • Bank pass book or Bank Statements
  • Property documents, if property identified

Home Improvement Loans/LAP

Salaried Person/Self Employed
Details Home Improvement Loans Loan Against Property
Loan Amount Pan Card
Voter ID
Aadhar Card
Electricity bill
Ration card
bank Statements
Latest salary slip
ITR/GST Return Copies of the property papers and the construction estimate
Loan Amount Max 10,00,000 Max 15,00,000
Period 10 Years 10 Year
Interest Rate 17 % To 19 % 15 % To 19 %
Administrative and Other Charges N/A 3 %
Purpose 1. Flooring
2. Tiling
3. Plastering
4. Electrical Work
5. Adding a new room/ bathroom
1. Fund your child’s education
2. Funding any medical
3. Wedding
4. Funding the dream vacation
5. Business expansion

Loan Tenure

The maximum home loan tenure offered is 20 years. The longer the tenure, the lower the EMI, which makes it very tempting to go for a 15-20 year loan. However, it is best to take a loan for the shortest tenure. In a long-term loan, the interest outgo is too high.


Yes on the given conditions that the loan taken should be utilised towards addition of a built up space in a dwelling unit

Photograph, Identification Proof, Address Proof, Income proof (If available), Property Documents.

Yes, customers can repay their home loan ahead of the schedule without any pre-payment charges.