Home Loan
Flexible home loan options with low-interest rates and quick approvals.
What is a Home Loan and Why Should You Consider It?
Defination:
A home loan, also known as a mortgage, is a financial product designed to help individuals purchase their dream home. It provides a significant amount of funds, repayable over a period of time, making home ownership accessible and manageable. With fixed or variable interest rate options, home loans cater to different financial situations and preferences.”
“CreditCares offers competitive home loan options with transparent terms and flexible repayment plans. Whether you’re a first-time buyer or looking to refinance, our home loan solutions are tailored to meet your needs. Secure your dream home with confidence and ease. Apply for a home loan with CreditCares today and take the first step towards owning your ideal home!
- Competitive interest rates
- Flexible repayment options
- Hassle-free application process
Whether you’re a small business owner or a Salaried Person looking for loan in kolkata, our Home loan is designed to help you achieve your Dream Home.
Key Feature's
Loan amount
30 Lakh - 1 Crore's
Loan Tenure up-to
48 months
Loan Sanction in
30 days
Disbursement time
5-6 days
Eligibility & Documentation
Who Can Apply?
Business owners, including sole proprietors, partnerships, corporations, and LLCs, can apply for business loans. Eligibility generally requires a good credit score, a solid business plan, and financial statements demonstrating revenue and profitability.
CIBIL Score of 700 or higher
Business operational for 2+ years
12 months bank statement
Gst Registration Certificate
Get your Loan in 4 easy steps
01.
Apply for Loan
Complete the loan application form online with your personal and financial details.
02.
Documentation and KYC
03.
Accept the Loan Offer
04.
Disbursement
Once you accept the offer, the lender will transfer the funds to your bank account.
Documents Required
Ensure smooth processing of your business loan application by providing the necessary documents.
- Passport (optional)
- Driver’s license
- Aadhar card*
- Voter ID card
- PAN card*
- Utility bills (electricity, water, gas)*
- GST registration certificate.
- Partnership deed (for partnerships business)
- Memorandum and Articles of Association (for companies)
- Trade license
- Shop and Establishment certificate
- Udyam certification with annexure
- GST certificate
- Business bank statements
- Income tax returns of the business
- GSTR 3b
- Audited financial statements (Profit and Loss statement, Balance Sheet)
- Business income proof (such as sales invoices, contracts, or revenue statements)
- Passport-sized photographs
- References
- Any additional documents requested by the lender
- Having a co-applicant is mandatory.
- In certain cases, having a woman co-applicant is also mandatory.
- A co-applicant can be a spouse or any first blood relative, such as parents, siblings, or children who have attained the age of maturity (subject to the income-ownership grid).
- All co-owners of the property must be part of the loan structure.
- Friends cannot be co-applicants unless they are coming in the capacity of partners, directors, or shareholders.
Official Lending Partners
Our Happy Clients
Excellent Customer Service and Support
Big thanks to Creditcares! Mere business ke liye ek perfect rate me loan mil gaya. very fast process, aur mera cibil bhi ab 740+ hogya. Props to the team for keeping it real and helping me level up
Excellent Customer Service and Support
Excellent Customer Service and Support
Frequently Asked Questions
Find out you answers here