Want To Move Into The House Of Your Dreams? Apply For a Home Loan

by Diksha Sharma Blogger and writer

Do you often land up having a visual thought of lounging in a comfortable living room in a swanky new apartment? And money is the only reason stopping you from turning this visual thought into a reality? If the answer to the question is yes, you need to worry about inadequate funding anymore. 

 how to get a home loan

We all have seen a dream of owning a home, but not everyone can afford it. And in present times, in our country, money is no longer a barrier to the dream of owning a home with the emergence of non-banking financial companies. The instant home loans provided by these NBFCs are specially designed for those who want to purchase a home, self-construct their house or make some home improvement. 

Home loans for numerous requirements

Purchase a house- It helps to fulfil one of the major tasks and that is funding the purchase of your dream house

Home improvement- It can also be availed to fix up or renovate your home without worrying about the finances. 

Top-up for home loan- If the loan amount you’re receiving is not enough to purchase a house, you can take a top-up loan and get the extra funds. 

Plot purchase & Self-Construction- It also helps to fund your aspirations if you are someone who would like getting intimate with the construction process of your dream house. 

Before applying for a loan, you can use a home loan calculator to get a better understanding of the number of loan instalments. It is an easy and useful tool to do financial planning and further make an informed decision about the outflow towards the home loan each month. Hence, with the help of a home loan EMI calculator, you can enjoy your new home without any financial worries. 

Furthermore, the Government is also encouraging citizens to invest in housing by providing several tax benefits under the Income Tax Act, 1961. Several schemes including Pradhan Mantri Jan Dhan Yojana are reflecting green signals on the housing sector in India by increasing the accessibility and affordability for Indian consumers. 

Owing to this, home loans in India come with a host of tax benefits to help you save a big chunk of your tax payments. There are two units in the repayment of home loan and, i.e. the principal amount and the interest on the loan amount. If you opt for a home loan, you are eligible for tax deductions on both these units under section 80C and 24(b) of Income Tax Act, 1961. 

How to get a home loan?

If you’re a salaried employee or self-employed individual, over 18 years of age while applying and under 65 by the end of the tenure with an annual income higher than Rs 3 lakhs, you are eligible to secure loans for housing without any hassle from Clix Capital. The NBFC provides loan amounts that go up to Rs 1 crore and tenure that goes up to 25 years with simplified documentation.


Once you check home loan eligibility and are thorough with the criteria, all you have to do is submit a few necessary documents including completed application form, a passport-sized photograph, ID proof and address proof. Moreover, you can also apply for a home loan online. After all of this is done, the customer representative will have a quick chat with you, and you’re on your way to get a home loan. 


With Clix Capital, you no longer have to hold on to the plan of buying a house due to lack of funds. The leading digital NBFC lends you a helping hand to fulfil your aspiration with a hassle-free process, minimal documentation, customized repayment method and instant approval.

About Diksha Sharma Innovator   Blogger and writer

28 connections, 0 recommendations, 96 honor points.
Joined APSense since, November 30th, 2018, From Gurgaon, India.

Created on Mar 24th 2020 04:46. Viewed 130 times.


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