Home Loan

Home Loan

BankMart Home Loans: Turning Your Homeownership Dreams into Reality

Welcome to BankMart, where your journey to homeownership begins. At BankMart, we understand that finding the right home is a significant milestone, and we're here to make your dream a reality with our tailored Home Loan solutions.

Why Choose BankMart Home Loans?

  • Competitive Rates:
    BankMart offers competitive interest rates, ensuring that your dream home remains not just a vision but an affordable reality.
  • Flexible Repayment Options:
    We believe in fitting your Home Loan to your lifestyle. Choose from a range of flexible repayment plans that align with your financial goals and make the journey to homeownership comfortable.
  • Expert Guidance:
    Navigating the world of mortgages can be complex. Our team of experienced mortgage advisors is here to guide you at every step, providing personalized assistance and ensuring you make informed decisions.
  • Fast and Efficient Approval:
    Time is crucial when it comes to securing your dream home. With BankMart, enjoy a streamlined approval process, ensuring a quick response to your Home Loan application.

EMI Calculator


Loan EMI

Total Interest Payable

Total Payment
(Principal + Interest)

  • Specialized Programs:
    BankMart offers specialized Home Loan programs catering to first-time buyers, those looking to refinance, and exclusive benefits for our existing customers. Find a program that suits your needs and aspirations.
  • Transparent Terms:
    No hidden surprises. BankMart is committed to transparency. Our Home Loan terms and fees are clearly communicated, providing you with the peace of mind to focus on creating memories in your new home.
  • Online Convenience:
    BankMart provides a user-friendly online platform to manage your Home Loan effortlessly. From application tracking to payments, our online tools are designed for your convenience.
  • Community Commitment:
    BankMart isn't just a bank; we're part of your community. We take pride in supporting local initiatives, contributing to neighborhood well-being, and helping you build a strong foundation for your family.

Start Your Homeownership Journey Today

Your dream home is within reach, and BankMart is your trusted partner to help you get there. Apply for a BankMart Home Loan today, and let us be the bridge to turning your homeownership dreams into a reality.

BankMart Home Loans: Tailored Solutions for Your Unique Needs

At BankMart, we understand that your dream home is as unique as you are. That's why our Home Loan offerings go beyond just competitive rates and affordable EMIs. We provide a suite of solutions designed to address specific aspects of your homeownership journey.

  1. Home Construction Loan: Build Your Dreams from the Ground Up: If you have a plot of land and the vision to construct your dream home, BankMart's Home Construction Loan is your financial foundation. We offer support to turn that piece of land into the home you've always imagined. Whether it's a new construction project or a significant repair, our Home Construction Loan is designed to bring your dream home to life

2. Home Extension Loan: Expand Your Horizons: Already a homeowner but in need of more space? Our Home Extension Loan is the ideal solution. Whether you're looking to add an annexe, extend your existing building, or create additional floors, BankMart provides the financial support to make your home more spacious and accommodating to your evolving needs.

3. Home Improvement Loan: Elevate Your Living Space: Every home deserves a touch of improvement. From upgrading furniture to fixing lighting systems, BankMart's Home Improvement Loan is your ticket to a better life within the walls of your home. Fulfill your aspirations of a more comfortable and aesthetically pleasing living space with our tailored financing solutions.

4. NRI Home Loan: Own Your Piece of Homeland: For Non-Resident Indians with a patriotic heart and a desire to own residential property in India, BankMart's NRI Home Loan is the answer. While the formalities for application may differ, our commitment to making your homeownership dreams come true remains unwavering. Own a piece of your homeland with ease, supported by BankMart's seamless NRI Home Loan solutions.

BankMart Home Loans: Your Partner in Homeownership

At BankMart, we go beyond providing loans – we deliver tailored solutions to make your homeownership journey smooth and fulfilling. From groundbreaking construction projects to the subtle nuances of home improvement, BankMart is your partner at every step.

"BankMart - Tailoring Home Loans to Your Unique Dreams."

Home Loan Eligibility Simplified

Securing a home loan is a significant step towards homeownership, and at BankMart, we aim to simplify the eligibility criteria to make your journey smoother. Here's what you need to know:


  • You must be above 21 years at the start of your loan, with a maximum age of 65 or less at the time of loan maturity.
  • For salaried individuals, the age range is 21 to 58 years.
  • Self-employed individuals should fall within the age range of 25 to 65 years.


  • Salaried individuals must have a minimum monthly income of Rs. 10,000.
  • Self-employed individuals should demonstrate a minimum annual income of Rs. 2,00,000


  • Salaried individuals need a minimum of 2 to 3 years of experience in an MNC, private, or public limited company.
  • Self-employed individuals should have a minimum of 3 years of experience in their current field.

Credit Score:

  • A credit score of 750 is considered favorable for loan approval.

At BankMart, we believe in making homeownership accessible. If you meet these basic criteria, you're well on your way to turning your dream home into a reality. Our team is here to guide you through the process and ensure a seamless experience.

"BankMart - Simplifying Homeownership Eligibility for You."

Home Loan Documentation

At BankMart, we value transparency and want to ensure a seamless process for your Home Loan application. Here's a breakdown of the documentation required based on your profile:

Income Proof Documents:

1. Salaried Individuals:

  • Form 16
  • Employee Identity Card
  • 3 Months Salary Slip
  • 6 Month Bank Account Statement
  • Duration of Employment Evidence

2. Self-Employed Individuals:

  • PAN
  • Trade License
  • Partnership Deed
  • Article of Association
  • Memorandum of Association
  • Import Export Code
  • SEBI Registration Certificate
  • ROC Registration Certificate
  • Financial Statement Audited by CA
  • Profit & Loss Account Statement
  • Balance Sheet
  • 6 Months Bank Account Statement
  • Professional Practice License for Doctors, Consultants, etc.
  • Registration Certificate of Establishment for Shops, Factories, and Other Establishments
  • Business Address Proof


3. Documents Required from all Non-Resident Indians (NRIs) Applicants:

Income Proof Documents for NRI:

  • Property Papers
  • Property Documents
    • Sale Deed
    • Stamped Agreement of Sale
    • Allotment Letter
    • No Objection Certificate or NOC
  • Housing Society or Builder Possession Certificate
  • Land Tax Receipt
  • Construction Cost Estimate
  • Bank Account Statement of Payments Made to Seller or Builder
  • Payment Receipts of Payments Made to Seller or Builder
  • In the case of resale property, a share certificate is required
  • Occupancy Certificate

At BankMart, we understand that documentation can be overwhelming, and our dedicated team is here to assist you at every step. Rest assured, we are committed to making your Home Loan journey as smooth as possible.

"BankMart - Empowering Your Homeownership Dreams through Clarity and Support."

Home Loan Fees and Charges

Understanding the fees and charges associated with home loans is crucial, and it's important to note that these may vary among lenders and on a case-by-case basis. Here's an overview to provide you with a clear understanding of what to expect:

    Particulars                                                   Charges
1.  Loan Processing Fees                        0.5% to 4% of Loan Amount
2.  Loan Cancellation                              Usually 3000 to 5% of Loan Amount
3.  Stamp Duty Charges                          As per the Value of the Property and State Tax
4.  Legal Fees                                             As per actual
5.  Penal Charges                                      Usually 2% per month
6.  EMI / Cheque Bonus                          Approx 499/- to 599/-

It's important to carefully review the terms and conditions, as well as the specific breakdown of fees provided by your lender. At BankMart, we believe in transparency, and our team is here to help you navigate through the fees and charges associated with your home loan.

"BankMart - Providing Clarity on Home Loan Fees for Informed Decision-Making."