Our Home Loan Policy primarily caters to small business owners. It also Caters to salaried employees working with small and medium-sized firms and companies. Whether you’re purchasing a new property (ready or under construction), buying a resale property, looking to take over an existing loan, or seeking top-up options, our policy is designed to meet your needs.
Segment: Business Owners Salaried Employees.
Transactions: Purchase (Under Construction/Ready), Resale, Takeover, Top-ups
Loan Amount: Up to Rs 75 Lakhs
Vintage: 3 years
CIBIL Score: Above 675
Geography: Gujarat, Maharashtra, Madhya Pradesh, Rajasthan (within 50 kms from RCPL Branch)
Flexible eligibility criteria
Liquid income approach for small MSME vendors
Industry-best Loan-to-Value (LTV) ratio
Empathetic approach for individuals at the bottom of the pyramid
To Apply for Home Loan in India, please ensure you have the following documents:
KYCs
Proof of identity
Proof of address
Vintage Proof
Employment certificate or Business registration documents
Income Documents
Bank statements of last 12 Months
ITR of Last 2 Years
Property Documents
Sale agreement
Property title deed
Encumbrance certificate
Our home loans in India are ideal for:
Small Business Owners: With at least 3 years in business.
Salaried Individuals:With a minimum of 2 years of employment history.
Residents in Gujarat, Maharashtra, Madhya Pradesh, and Rajasthan: Particularly within 50 kilometers of an RCPL Branch.
Choosing Ratnaafin for your home loan in Ahmedabad means opting for a partner who genuinely cares about helping you achieve your dream of owning a home. Here’s why you should choose us
We put you first, working closely with you to find the best loan solutions tailored to your needs.
Our policies are designed to be inclusive, accommodating a variety of income sources and employment types.
We understand that everyone's situation is different, and we approach each case with compassion and understanding.
Our attractive interest rates make your loan more affordable, helping you save money.
We know that time is of the essence, so our streamlined documentation and approval process ensures you get your loan without unnecessary delays.
With coverage across key regions, we're always nearby and ready to assist you with your home loan in Ahmedabad, India needs.
Choose Ratnaafin home loan in Ahmedabad and take the first step towards owning your dream home with confidence and ease. We're here to support you every step of the way.
To apply for a RATNAAFIN Home Loan, visit their website and click 'Check eligibility now' for the online application. Alternatively, call their toll-free number 1800 309 8010 for assistance with the application process.
The interest rates for RATNAAFIN Home Loans are competitive and vary based on factors such as loan amount, repayment term, and applicant's creditworthiness.
RATNAAFIN aims to process Home Loan applications promptly. Processing time can vary based on factors such as the completeness of documentation and the complexity of the loan request.
Yes, RATNAAFIN generally allows prepayment or early repayments on their Home Loans. It's advisable to review the loan agreement or consult with our customer support or relationship manager for specific terms or conditions related to prepayment.
If you face difficulties repaying your home loan in India, it's crucial to communicate with RATNAAFIN's customer support at 1800 309 8010 as soon as possible. They can provide assistance, such as restructuring the loan or adjusting the repayment schedule, to help you manage your financial obligations effectively.
If you are considering a home loan in Ahmedabad, Ratnaafin offers competitive rates and flexible terms that can help you purchase or refinance your property effectively. We understand the local market and are here to assist you every step of the way.