SS Finance - Where Dreams come HOME

When it comes to dreaming big, a home of our own is the first thing that comes to our mind. Home loans offer a boost to our dreams! SS Finance offers home loans with a host of features to help you buy your dream home.Our Home Loan, featuring low interest rates and flexible EMI plans, is specifically designed to help you accomplish buying your dream home.

Features of SS Finance Home Loan

We offer

Quick sanction and low EMI
Online Home loan sanction facility
Maximum Tenure of 30 years
No Pre-Payment Penalty
Simple documentation
Amongst the lowest rate of interest
Available for construction / purchase of house or flat from private developer or housing boards and repairs/renovation to the existing properties
Takeover or balance transfer of existing Home Loans Possible

Eligibility Criteria for Home Loan

Anyone can apply for our home loan as long as they meet the criteria mentioned below.

Nationality:
You must be an Indian citizen residing in India.
Age:
A salaried applicant must be between 23 years to 65 years, and a self-employed professional must be between 23 years to 70 years.
*The upper age limit is considered as the age at the time of loan maturity.
CIBIL Score:
A CIBIL Score of 725 or higher is ideal to get a home loan.
Occupation:
Salaried employee, a professional individual, and a self-employed individual.

Documents Required for Home Loan

List of Documents Required

Type of Document	Salaried	Self-employed
Proof Of Identity	PAN Card Voters ID Driving License Employee Card	PAN Card Voters ID Driving License
Proof Of Income	Last 3 months’ salary slips 2 years’ Form 16 6 months’ bank statement with salary credits	Last 2 years’ ITR with computation CA audited Financial wherever applicable 6 months primary bank statement
Proof of Residence	Aadhaar Card* Latest Electricity bill/piped gas monthly bill Ration Card Property Tax/Water Bill	Aadhaar Card* Latest Electricity bill/piped gas monthly bill Ration Card Property Tax/Water Bill

Type of Document

Salaried

Self-employed

Proof Of Identity

PAN Card
Voters ID
Driving License
Employee Card

PAN Card
Voters ID
Driving License

Proof Of Income

Last 3 months’ salary slips
2 years’ Form 16
6 months’ bank statement with salary credits

Last 2 years’ ITR with computation
CA audited Financial wherever applicable
6 months primary bank statement

Proof of Residence

Aadhaar Card*
Latest Electricity bill/piped gas monthly bill
Ration Card
Property Tax/Water Bill

Aadhaar Card*
Latest Electricity bill/piped gas monthly bill
Ration Card
Property Tax/Water Bill

Frequently Asked Questions (FAQs) for Home Loan

A home loan is a financial product provided by lending institutions that allow individuals to borrow money to purchase a house. The borrower agrees to pay back the loan over a set period, typically up to 30 years, through monthly payments that include both principal and interest.

There are different types of home loans available in the market. However, at Godrej Capital, we provide:

Home loans for ready-to-move-in, under-construction, and resale homes
Balance transfer (shifting of loans from a different financier to Godrej Capital, resulting in savings for the customers)
Top-up on existing home loans for renovation or home improvement
Plot loan to purchase a land or a plot