Various varieties of housing loans are offered by different financial institutions. Prominent among these are:
Home Loans

This is the basic housing loan for the purchase of a new home, which covers the cost of the flat, deposits and charges, stamp duty and registration charges.

Home Improvement / Extension Loans

These are for the purpose of undertaking repair works and renovations in a home that is already owned by you.

Bridge Loans

Bridge loans are for people who wish to sell their existing house and purchase another one and need finance for the new house until a buyer is found for the old one.

Balance Transfer

A balance transfer indicates the paying off of an existing housing loan and availing of a loan with a lower rate of interest.

Refinance Loans

Refinance loans are taken to pay off the debt incurred from private sources such as relatives and friends, for the purchase of your present house.

Loans To NRIs

These loans are designed as per the requirements of NRIs who want to buy a house in India.

Loans are generally disbursed between 80%-90% of the cost of the flat, depending on the repayment capacity of the borrower. The balance money is to be funded by the flat purchaser from his own contribution. The percentage of loan would vary from bank to bank.

Equated Monthly Installment ("EMI") is the amount comprising a portion of the interest and the principal loan amount, which is payable by a borrower to the lender every month.

Yes, depending upon the eligibility criteria and policy of the bank.

Interest rates vary from time to time and from institution to institution. The interest is calculated either on a daily or monthly reducing or yearly reducing balances.

Repayment period options range generally from 5 to 20 years. Some of the banks may give loans up to 25 years also depending on the quantum of the loan.

A fixed-rate housing loan is a loan where the rate of interest is constant through the entire term of the loan period.

A floating interest rate loan is a loan where the interest rate payable is linked to the bank's internal prime lending rate (PLR) such as the base rate which rises and falls as per banks policy.

We help our clients, either Indians or NRIs , to avail housing/ commercial loan through Nationalized Banks, Foreign Banks, PVT Banks or Co-operative Banks as per customer’s relationship with Banks. We would negotiate with Banks to consider lowest, reasonable, and competitive rate of interest and other charges.

Our residential cum commercial project is having clear title of the property and have obtained all the necessary Government approvals and licence from Concerning Authorities such as Mangalore Urban Development Authority (MUDA), Mangalore MahanagarPalika, Fire Department etc.,

Our project is approved by all the Banks and Financial Institutions. Hence, loans can be considered on minimum documentation.

We are always available to our clients to help them in completing bank loan related formalities i.e. from loan application to disbursal of the loan.

We strive to build trust and relationship of our home buyers which would boost our integrity, credibility and goodwill for years to come.