Enjoy the benefit of Home loan by getting a loan worth up to 90% of your property’s market value.
We offer customization features on home loan for self-employed individuals.
Besides speedy and transparent processing, the firm offers a host of other benefits on its loan including flexible tenures and competitive interest rates.
These unmatched benefits make our products among the best home loan in the market.
Eligibility:
The following individuals are eligible to apply for a Home Loan:
- Salaried Individuals
- Self Employed
Documentation:
The following documents are required along with your Home Loan application:
- For Salaried Individuals:
- A copy of any of the following as proof of residence:
- Aadhaar card
- Ration Card
- Voter’s ID Card
- A copy of any of the following as proof of identity:
- Aadhaar card
- Voter’s ID Card
- PAN Card
- Driver’s License
- Employer’s Card
- Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months
- Salary slip for the previous 6 months showing all deductions
- Form 16 for the previous 2 years
- Copies of all the property documents of the concerned property to be pledged for the loan
- A copy of any of the following as proof of residence:
- For Self Employed Professionals/Individuals:
- Certified Financial Statement for the previous 2 years
- A copy of any of the following as proof of residence:
- Ration Card
- Aadhaar card
- Voter’s ID Card
- A copy of any of the following as proof of identity:
- Aadhaar card
- PAN Card
- Voter’s ID Card
- Driver’s License
- Employer’s Card
- Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months
- Copies of all the property documents of the concerned property to be pledged for the loan
- Insurance to be lien marked to Unicorn Capitals.
Rates & Fees:
Enclosed below are Unicorn Capitals Home Loan Interest Rates & Charges*
| Fee | Amount to be Paid |
|---|---|
| Rate of interest range | 9% to 13% |
| Loan processing charges | 1% of the loan amount subject to a minimum of Rs. 1000/- |
| Pre-payment charges | NIL |
| No Due Certificate/No Objection Certificate (NOC) | NIL |
| Duplicate of No Dues Certificate/NOC | Rs. 100/- |
| Solvency Certificate | Not applicable |
| Charges for late payment of EMI | Rs. 500/- or 10% of unpaid EMI whichever is higher to be paid per month |
| Stamp duty & other statutory charges | As per applicable laws of the state |
| Cheque swapping charges | Rs 500/- |
| Amortization Schedule charges | Rs 200/- |
| Loan cancellation charges | NIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.) |
| Cheque bounce charges | Rs. 350/- per cheque bounce |
| Legal/incidental charges | At actual |
| Collection fees | 36% of unpaid balance or Rs. 3000/- whichever is higher for every notice |
| Document retrieval charges | Rs. 500 per document set. |
* – above charges does not include GST and is applicable as per current government policy.
The above charges and rates are under the sole discretion of Unicorn Capitals, subject to change without prior notice.