Introduction:
If you’re planning to buy a home and need a loan to make it happen, you’re in the right place.
Whether you’re a salaried employee, self-employed, or someone without formal income proof — getting a home loan doesn’t have to be complicated. At Shubham Housing Finance, we specialize in helping people just like you get closer to owning their dream home.
In this guide, we’ll cover
- What is a home loan?
-Who can apply?
-Documents you need?
-How much loan you can get?
-Why choose Shubham Housing Finance?
Let’s know in details:
What is a Home Loan?
A home loan is a loan you take from a financial institution to buy, build, or renovate a residential property. You repay this loan in monthly installments (EMIs) over a fixed period, typically 5–30 years.
Who Can Apply for a Home Loan with Shubham Housing Finance?
We make home loans accessible for everyone, including:
-Salaried individuals (private or government)
-Self-employed professionals
-Small business owners
-People without formal income proof
Even if your income isn’t documented on paper, we evaluate your cash flow and spending habits to check eligibility.
What Documents Do You Need?
With formal income (salaried):
-ID proof (Aadhar, PAN)
-Address proof
-Income proof (salary slips, bank statements)
-Property documents
Without formal income:
-ID and address proof
-Bank statements or cash flow records
-Business or occupation proof (if any)
-Property-related documents
Don’t worry — our team will help you gather what’s needed.
How Much Loan Can You Get?
Loan amounts depend on:
-Your monthly income (formal or informal)
-Property value
-Location
-Credit behavior (if applicable)
With Shubham, you can get home loans starting from ₹2 lakhs up to ₹50 lakhs — based on your capacity to repay.
What Are the Interest Rates?
Interest rates are competitive and depend on the loan amount, tenure, and applicant profile. Women applicants may also qualify for lower interest rates.
Contact us directly for the Home Loans — it only takes a minute.
Why Choose Shubham Housing Finance?
Here’s why thousands trust us:
-Inclusive lending: We provide loans even without traditional income documents.
-Quick approvals: Fast processing to help you close deals in time.
-Personalized service: We work with you to build a plan that fits your financial reality.
-Pan-India presence: Offices and support in towns and cities across the country.
We don’t just give loans — we help you buy your home with confidence.
Conclusion:
If you're actively searching for a home loan that's simple, fast, and tailored to your financial situation, Shubham Housing Finance is the partner you can trust.
We make it easy, even if you don’t have perfect paperwork or a high salary — because everyone deserves a home.