To many, a home is not just a structure made of bricks and concrete, but a symbol of hard work complete with shared memories and endless possibilities. Understanding the emotional aspect of home ownership, Today Finserv Home Loan is ready to assist you with unparalleled flexibility and low interest rates, catering to different borrower profiles including the self-employed, salaried employees, and first-time builders.

What are the Benefits of Today Finserv Home Loan? 

With Today Finserv, we aim to make the home loan process quick and simple so you can purchase a house without any hassle. Here’s what makes us different: 

Interest Rates

Now pay low and affordable interest rates of 8.25% p.a. and secure your home loan with us.  

Easy to Customize  

Select the repayment duration you prefer. Pay back in convenient EMIs over 30 years in line with your financial strategy.

Elevated Loan Limits

We offer funding of up to ₹5 Crore or more depending on your eligibility criteria. This applies to apartments, independent houses, and even under construction properties.

Loan Processing and Disbursal

Using your mobile device or computer, apply digitally and get in-principle approval on the spot and receive disbursal faster. Speed is of the essence when purchasing a property.

Absolute No Further Charges

We follow a policy of disclosure. No further fees and costs will be applied outside what is agreed upon in the contract.

Home Loan Products Offered

We have various options to provide to every unique individual need and situation.  

Home Purchase Loan

Get a new or second hand property easily.

Home Construction Loan

For persons purchasing a house on a piece of land they have.

Home Improvement Loan

Access easily to funds to be used in the renovation of your home, a house you own.

Home Extension Loan

Get additional rooms or floors added to existing houses.

Balance Transfer

If you have an existing loan that you are liable to pay high rates of interest on, you can switch it to Today Finserv and benefit from lower interest payments.

Top-Up Loan

Looking for extra money in addition to your existing home loan? Enjoy easy approval and low rates with our top-up loans.

Home Loan Eligibility Criteria

We determine your eligibility for a loan based on your income, age, employment, credit history, and current debts.

Salaried Individuals

• Age: 21 to 60 years
• Minimum Income: ₹25,000/month
• Employment Status: Minimum 2 years of employment
• Credit Score: 700+ preferred

Self-Employed Professionals

• Age: 21 to 65 years
• Minimum Income: ₹3 Lakhs/year (ITR proof)
• Employment Status: Minimum 3 years in business
• Credit Score: 700+ preferred

Loan eligibility does not guarantee approval. Approval depends on additional internal assessments and documentation.

Required Documents

To expedite your loan processing time, gather the following documents:

For Salaried:

• PAN and Aadhaar Card
• Bank Statements for the previous 6 months
• Salary slips for the past 3 months
• Employment certificate
• Property documents

For Self-Employed:

• PAN and Aadhaar Card
• Profit and Loss Statements for the previous 2 years
• Business proof documents
• Bank Statements for the previous 6-12 months

Home Loan EMI Calculator

We offer a free Home Loan EMI Calculator to help estimate monthly payments, allowing you to better plan your finances.

Simply The following:  

• Loan Amount   
• Interest Rate  
• Loan Tenure  

And instant results will be provided. This allows you to better manage your finances before making an application.  

Finserv Today: Steps to Applying for a Home Loan  

Home loan application processes have been simplified. You can follow these three steps to get started:  

Confirm Eligibility 

Check your borrowing potential with our online eligibility calculator.  

Apply 

Complete our digital application with your personal information and submit the necessary documents.  

Instant Approval  

Receive an in-principle approval on your loan within a few minutes if you qualify.  

Final Verification and Funds Transfer  

After verification of the documents, funds will be transferred to the designated account, be it your account or the builder’s account.  

Benefits of Taking a Home Loan in This Period  

This is a good period to start planning for your ideal home and here’s why:  

• Interest: The RBI’s consistent repos is a boon for home seekers with lower interest rate.  
• Tax Deduction: You can claim deduction of interest on loan repayments of up to ₹2 Lakh (Section 24) and a further deduction of ₹1.5 Lakh on principal repayment in section 80C.  
• Rise in housing affordability: Government initiatives alongside urban sprawl have made owning a house more accessible, sparking a surge in property value.
• Flexible Lending: An increasing number of banks and NBFCs now offer more competitive home loan deals.

Today Finserv offers affordable home loan options specially tailored for you, whether it is purchasing your first home, upgrading to a bigger space, or even shifting an existing loan. We make it our mission to enable your dream home to become a reality. We ensure a simple, human, digital, and streamlined process.