Overview
One of the most important life objectives is home ownership, and we at V Key Finserv are dedicated to making this dream a reality. We assist you in purchasing, building, expanding, or remodeling your house with simplicity, affordability, and peace of mind through our carefully curated home loan options.
Why Should You Get a Home Loan from V Key Finserv?
- Attractive Offers on Home Loans
- Flexible loan tenure
- Low Interest rates*
- Minimal documentation
- Fast Approval and Disbursement.
- Solutions specifically designed for NRIs, self-employed and salaried
- Home Assist – A Dedicated Program designed to provide Individual Assistance from Application to Disbursement.
V Key Finserv makes the process of becoming a homeowner easy, and stress-free, regardless of whether you are a first-time buyer or looking to renovate your current residence.
Features and Benefits of Our Home Loan
We are aware that each of us have different requirements when it comes to housing loan financing. For this reason, V Key Finserv provides a variety of home loan choices to meet your needs:
🏡 Construction Loan
Do you intend to construct your house on a parcel of land that you currently own? A construction loan helps you pay for your construction needs including labor and raw materials, etc
🧱 Loan for Home Extension
Do you need more room for your expanding family? Our home expansion loan can be used to build additional living space by adding more rooms, add a storey, or renovate your current home to make for more living space.
🛠 A loan for home improvement / Renovation
Our improvement loan enables you to upgrade / renovate your existing home
- To add / modify electrical systems, furniture, or your kitchen, thus making your house more spacious and comfortable.
🌍 NRI Home Loan
Do you want to invest in real estate in India as an NRI? Our NRI house financing program is specifically designed to fulfill your documentation requirements, thus guaranteeing easy remote property ownership.
Additional Advantages:
- Balance transfer of your existing loan
- Flexible tenure and EMIs – Tailored to suit your requirments
- Transparent process
- No additional fees
- Personalized support during the course of your loan application
Invest in Your Dreams – Act Now!
Home Loan Eligibility Criteria
To apply for a Home Loan with V Key Finserv, you must meet the following eligibility requirements:
Parameter | Salaried | Self-employed |
Age | 21 to 58 years | 25 to 65 years |
Minimum Income | ₹10,000/month | ₹2,00,000/year |
Employment Experience | Minimum 2–3 years in a recognized company | Minimum 3 years in current business |
Credit Score | A score of 750+ is considered favorable | A score of 750+ is preferred |
Residency | Must be a Resident Indian or NRI (for NRI loan) | Must be a Resident Indian or NRI |
Note: Eligibility also depends on loan amount, property value, existing financial obligations, and more. Our team helps you understand your personalized eligibility before applying.
Required Documents for Home Loan
To ensure a smooth processing experience, here is a checklist of documents required:
✅ For Salaried Individuals
- Latest 3 months’ Salary Slips
- Form 16 / Income Tax Returns
- 6 months’ Bank Account Statement
- Employee ID Card
- Employment Proof – Offer Letter and Previous Employment Proof (If Any)
- Aadhaar Card / PAN Card / Passport
✅ For Self-Employed Individuals
- PAN Card
- Trade License / GST Registration
- MOA / AOA / Partnership Deed
- Profit & Loss Statement and Balance Sheet (audited by CA)
- ITRs for the last 2–3 years
- Business Address Proof
- Bank statements for last 6 months
- SEBI or ROC registration (if applicable)
✅ For Non-Resident Indians (NRIs)
- Income Proof Documents (Overseas salary slips, bank statements)
- Passport and Visa Copies
- Property Papers (Sale Deed, Agreement of Sale, NOC, Possession Certificate)
- Payment Receipts made to builder/seller
- Land Tax Receipts
- Share Certificate (for resale properties)
- Occupancy Certificate
Note : Any additional documents will be as required by the financial institution.Having these documents ready in advance will help you fast-track the loan approval process.
EMI Calculator for Home Loan
Do you intend to apply for a home loan? Start by utilizing our Home Loan EMI Calculator to determine your monthly EMI.
Benefits:
- Accurately estimate your monthly installments
- Modify the loan amount and tenure to suit your budget
- Avoid financial surprises by making well-informed decisions
EMI = [P x R x (1+R)^N]/[(1+R)^N – 1] is the formula that was used.
Where:
P is the loan amount.
R is the interest rate per month.
N is the number of installments.
EMI Calculator
Loan EMI
Total Interest Payable
Total Payment
(Principal + Interest)
Fees and Charges for Home Loan
We ensure full transparency in all our financial dealings. Here’s a summary of the charges you may incur while applying for a home loan:
Particulars | Charges |
Loan Processing Fees* | 0.25% to 2% of the sanctioned loan amount |
Loan Cancellation | NIL to 5% depending on the lender/NBFC policy |
Stamp Duty | As per state-specific property value and tax guidelines |
Legal Charges | Based on actuals, varies by property type and location |
EMI/Cheque Bounce | Approx. ₹500 per instance |
Penal Charges | 2% per month on overdue EMIs |
Additional Charges | May include NOC fee, document retrieval, verification, and swap fees |
All charges are disclosed upfront before processing. There are no hidden costs with V Key Finserv.
Note: All above vary with financial institutions and individual customer profiles.
Charges mentioned are subject to change based on financial institutions and government regulations.
Customer Reviews
Frequently Asked Questions (FAQs)
Depending on your eligibility and income, you may be able to get up to 80–90% of the property value.
The repayment period can go up to 30 years.
Having a co-applicant can increase your loan eligibility and provide better interest rates, but it is not mandatory.
Yes, in order to facilitate NRIs' purchase of real estate in India, we provide specialist NRI Home Loan services.
The home loan is secured by the property that is being built or bought.
Yes, you can switch your current home loan to us in order to receive better service and lower interest rates*. It is called Balance Transfer.
Your credit score may suffer and you may be subject to penalty costs if you miss an EMI. We advise making on-time payments..
Approval usually takes three to five business days, depending on property verification and supporting documentation.
Your loan Plan will determine this. Particularly for loans with variable interest rates*, many loans permit partial or complete prepayment without incurring penaltie
You can visit one of our locations, apply online at https://vkeyfinserv.com, or give us a call at +91-8660959034.
