Indiabulls Home Loan - Features & Benefits

• 30 years subject to your retirement age.
• Applicant and Co-Applicant to the loan
• Home Loans can be applied for either individually or jointly. Proposed owners of the property, will have to be co-applicants. However, the co-applicants need not be co-owners.

• Loan under Adjustable Interest Rate is linked to benchmark rates of IHFL. The rate on your loan may be revised from the following month, if there is a change in the benchmark rate of IHFL. However, the EMI on the home loan disbursed will not change*. If the interest rate increases, the
• interest component in an EMI will increase and the principal component will reduce resulting in an extension of term of the loan, and vice versa when the interest rate decreases.

• Purchase of Flat, row house, bungalow from developers, existing freehold properties, properties in an existing co-operative housing society or apartment owner's association
• Construction of residential dwelling unit on a plot already owned.
• Purchase of residential plot and / or construction thereon
• Extension of existing residential property (adding floors, new rooms)
• Renovation of existing residential property
• Conditions Apply
• Home loans come with a dual advantage - tax benefits and rent saving. Both these elements contribute towards the EMI outflow.
• Appreciation in the property value is an additional bonus. We ensure that our customers get maximum benefits through their home loans.

• Approval of loan even if property is yet to be selected
• Online management of Loan account
• Funding available for NRI customers
• Facility for funding for builder’s under construction and ready properties
• Experienced staff to provide doorstep services
• Quick processing and disbursal of loans

• Home search made simple with property search services
• Home loan counseling services
• Attractive interest rates
• Doorstep service
• Quick approval and disbursal
• 5000+ pre-approved projects
• Easy monthly repayments under part disbursements
• Safe document storage (ISO Certified)
• Balance Transfer with reduced interest rates and EMI’s
• No pre-payment / foreclosure charges on home loans

• Mobile Application
• Online Account Management
• One Click Loan Approval
• Home Loan Calculators
• Easy Document Upload
• Application Trackers on Website and App

Home Extension Loan is useful when you want to add more space to your existing home. We make it easy for you to extend your existing residential property as per your requirements. You often renovate your home to suit your changing needs. This loan can be used to carry out repairs / improvements within your existing owned residential properties.

Personal loans are taken primarily for fulfilling your personal aspirations such as vacation, a perfect wedding, home renovation or a much desired gadget. In addition to being relatively easy to apply for, personal loans are unsecured loans which means that you don't need any collateral to take this loan. They are one of the simplest form of loans with customer-friendly repayment terms.

A sudden requirement of funds is an unavoidable circumstance of business or personal life. Whether a personal necessity (hospitalization, child's marriage) or a professional one (expanding business operations on a priority basis), every person requires immediate financial backing at key moments.
In this context, it is pertinent to consider an invaluable alternative source of finance known as Loan Against Property (LAP). This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinizing the validity of the said property and its current market value.

Running a business is not easy. You have to constantly think of ways and means to keep it going and growing. As a part of the growth plan, you require financing for expanding operations or to buy new equipment or inventory or simply increase the working capital. To help you with your financing needs we offer Business Loans that will help your business grow.