How quickly can my home loan be approved?

'India Shelter offers quick loan approvals, subject to document verification and eligibility assessment.'

Can I prepay my home loan?

'Yes. Prepayment options are available as per India Shelter's applicable terms and conditions.'

What repayment tenure can I choose?

'You can choose a flexible repayment tenure based on your income and repayment capacity.'

Can I transfer my existing home loan?

'Yes. India Shelter offers a Home Loan Balance Transfer facility for eligible borrowers.'

'You can apply online through India shelter's website, visit your nearest branch, or speak to our home loan experts.'

Does India Shelter provide doorstep assistance?

'Yes. Our team offers doorstep assistance to make your home loan journey convenient and hassle-free.'

Why should salaried individuals choose India Shelter?

'India Shelter offers home loans with less documentation, quick approvals, flexible repayment options, and dedicated customer support, making homeownership simple and accessible for salaried professionals.'

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Home Loan for Salaried Individuals

Q: Who can apply for a Home Loan for Salaried Individuals?

'Private sector employees, government employees, PSU employees, MNC professionals, and other salaried individuals meeting India Shelter's eligibility criteria can apply.'

Q: What is the maximum loan amount available?

'India Shelter offers home loans ranging from ₹5 Lakhs to ₹70 Lakhs, subject to eligibility.'

Q: What documents are required to apply?

'You will typically need your PAN Card, identity and address proof, latest salary slips, bank statements, Form 16 (if applicable), and property documents. Our team will guide you through the documentation process based on your profile and loan requirements.'

Q: Can I apply if I recently changed my job?

'Yes. Your eligibility will be assessed based on your current employment, income stability, and other applicable criteria.'

Q: What can I use the home loan for?

'You can use an India Shelter Home Loan to purchase a new home, buy a resale property, construct a house, or renovate and extend your existing home, subject to eligibility.'

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Calculate your home loan for Salaried Individuals

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About India Shelter Home Loan for Salaried Individuals

A steady income deserves the security of a home you can call your own. At India Shelter, we offer home loans designed specifically for salaried individuals, making it easier to buy, construct, or renovate your dream home. With a simple application process, minimal documentation, and faster approvals, we help you move into your dream home with confidence.

Attractive Interest Rates

Loan amount between INR 7 Lakhs to INR 1 Crore

Assistance on phone

Quick and hassle-free loan processing

Expert guidance

Transparent and customer-centric approach

ITR not mandatory

Features of India Shelter Home Loan for Salaried Individuals

Advantages of Various Features of India Shelter Home Loan for Salaried Individuals

Competitive Interest Rates

Enjoy affordable EMIs that fit comfortably within your monthly budget.

Minimal Documentation

Apply with fewer documents and experience a smooth, hassle-free application process.

Quick Loan Approval

Get faster approvals so you can secure your dream home without unnecessary delays.

Loan Amount up to ₹70 Lakhs

Access the funds you need to purchase, construct, or renovate your home.

Flexible Repayment Tenure

Choose a repayment tenure that aligns with your financial goals and monthly income.

Balance Transfer Facility

Transfer your existing home loan to India Shelter and enjoy better benefits and competitive terms.

Dedicated Customer Support

Receive expert guidance throughout your home loan journey—from application to disbursal.

Simple & Transparent Process

Enjoy a seamless loan experience with complete transparency at every step.

Eligibility Criteria for for Salaried Individuals

For full KYC, kindly visit the nearest India Shelter branch.
Ensure all documents are valid and not past their expiry date (in the case of Driving License and Passport).

Who Can Apply for Home Loan for Salaried Individuals

Property Ownership

To be eligible for mortgage loan, the borrower must own a residential property, which will serve as collateral.

Property Value

The property's value should meet the lender's specified minimum value requirement for Loan Against Property.

Age

The borrower should be between 18 and 70 years old at the start of the mortgage loan term.

Income

A regular source of income with a minimum annual income, as set by the lender, is necessary for the borrower.

Credit Score

The mortgage loan amount available depends on the borrower's eligibility and credit score. Higher eligibility and credit scores result in a higher loan amount. Additionally, customers with a credit score of (-1) are also eligible for funding.

Documents Required for Home Loan for Salaried Individuals

Identity proof for salaried people

PAN Card is mandatory, and any one of these: 
• Passport 
• Voter ID 
• Aadhar Card 
• Driving License

Address Proof for salaried people

• Passport 
• Voter ID 
• Aadhar Card 
• Electricity bill/ water bill/ telephone bill
• Driving License 

Proof Of Income for salaried people

• Salary Slips/Bank Statement/Form 16 
• Salary Certificate 

Property Documents for salaried people

• Title Deeds of the Property 
• Proof of No Encumbrances on the property 

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FAQs

Who can apply for a Home Loan for Salaried Individuals?

Private sector employees, government employees, PSU employees, MNC professionals, and other salaried individuals meeting India Shelter's eligibility criteria can apply.

What is the maximum loan amount available?

India Shelter offers home loans ranging from ₹5 Lakhs to ₹70 Lakhs, subject to eligibility.

What documents are required to apply?

You will typically need your PAN Card, identity and address proof, latest salary slips, bank statements, Form 16 (if applicable), and property documents. Our team will guide you through the documentation process based on your profile and loan requirements.

Can I apply if I recently changed my job?

Yes. Your eligibility will be assessed based on your current employment, income stability, and other applicable criteria.

What can I use the home loan for?

You can use an India Shelter Home Loan to purchase a new home, buy a resale property, construct a house, or renovate and extend your existing home, subject to eligibility.

Disclaimer: *By contacting IndiaShelter on Toll Free/WhatsApp/Website or any other mode, you authorize our representatives to reach out to you through personal communication via SMS, WhatsApp and phone calls regarding our services. This consent will supersede any registration for any Do Not Call (DNC) / National Do Not Call (NDNC).

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