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Home Loan for Self-Employed Individuals

No Salary Slip? No Problem. Own Your Dream Home today!

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Calculate Home Loan for Self-Employed Individuals

Calculate your home loan for Self-Employed Individuals

Total Interest

₹

Your Home Loan EMI will be

₹ /monthly

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About India Shelter Home Loan for Self-Employed Individuals

Running your own business takes dedication, and owning a home shouldn't be out of reach. At India Shelter, we offer home loans designed specifically for self-employed individuals, with flexible eligibility, low documentation, and quick approvals. Whether you're buying, constructing, or expanding your dream home, we provide the financial support you need to make it a reality.

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 Self-Employed Individuals

Advantages of various features of India Shelter Home Loan for Self-Employed Individuals

Flexible Eligibility

Designed to meet the needs of self-employed individuals with varied income sources.

Minimal Documentation

Enjoy a simple and hassle-free application process with fewer paperwork requirements.

Quick Loan Approval

Get faster approvals so you can move into your dream home sooner.

Loan Amount up to ₹70 Lakhs

Access sufficient funding for purchasing, constructing, or renovating your home.

Competitive Interest Rates

Benefit from affordable EMIs and cost-effective financing.

Flexible Repayment Tenure

Choose a repayment plan that suits your business income and financial goals.

Balance Transfer Facility

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

Dedicated Customer Support

Get expert guidance at every step to make your home loan experience seamless.

Eligibility Criteria for Self-Employed 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 Self-Employed 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 Self-Employed Individuals

Identity proof for self-employed people

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

Address Proof for self-employed people

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

Proof Of Income for self-employed people

• IT Returns and/or Financial Statements of last 3 years And/or 
• Informal Income Documents   

Property Documents for self-employed people

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

Reviews and Ratings

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FAQs

Who can apply for a Home Loan for Self-Employed Individuals?

Self-employed professionals, business owners, traders, shopkeepers, freelancers, and entrepreneurs who meet India Shelter's eligibility criteria can apply for a home loan.

What is the maximum loan amount I can get?

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

What documents are required to apply for a self-employed home loan?

Typically, you may need:
• Identity & Address Proof
• PAN Card
• Business Proof
• Bank Statements
• Income-related documents (as applicable)
• Property Documents
Our team will guide you on the exact documentation based on your profile.

Can I get a home loan without a salary slip?

Yes. Since self-employed individuals generally do not have salary slips, India Shelter evaluates your application based on your business income, financial profile, and other eligibility 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, depending on your financial needs and 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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