Repco Home Finance होम लोन (गृह ऋण)
ऋण प्रदाता बैंक / संस्थान: Repco Home Finance Ltd.
Up to ₹2 Crore home loan at 8.75% – 10.50% with Up to 25 years tenure.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Pioneering housing finance company promoted by Repco Bank (Ministry of Home Affairs), deeply rooted in South India.
प्रमुख लाभ एवं विशेषताएं
Government-promoted trust; accessible for self-employed and salaried customers; competitive rates; personalized branch service.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
Salaried and self-employed individuals with stable regular income.
संपत्ति एवं तकनीकी शर्तें
DTCP or municipal approved residential building with non-encumbrance certificate.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment Terms)
Nil prepayment penalty for floating rate home loans as per RBI mandate
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, PAN Card, Last 3 months salary slips or 2 years ITR-V, 6 months bank account statement, Title deed, Approved building plan and municipal tax receipts.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible without DTCP approval.
🚀आवेदन के चरण (How to Apply)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://www.repcohome.com/home-loans with digital KYC and property details.
Visit nearest branch of the institution with income proofs and sale agreement.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan tenure available for Repco Home Finance Home Loan?
The maximum repayment tenure offered for Repco Home Finance Home Loan is Up to 25 years, subject to borrower's age not exceeding 65 years at loan maturity.
What are the processing charges and prepayment rules for Repco Home Finance Home Loan?
The processing fee is 1.00% + GST. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for Repco Home Finance Home Loan?
Applicants must provide KYC (Aadhaar, PAN), 3 months salary slips or 2 years ITR with computation, 6 months bank statements, and clear property title documents with municipal sanctions.
Why does Repco Home Finance Home Loan require property approval in a formal layout?
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible without DTCP approval.