Home Loan
Foundation for your Generational Legacy.
At Goodfind Wealth, we don't just provide loans; we provide the keys to your future. Our home financing solutions offer the lowest interest rates and longest tenures to make luxury living affordable.
Fresh Purchase
Finance new apartments, ready-to-move-in villas, or independent houses with simplified legal verification.
Plot + Construction
Composite loans that cover both the purchase of a residential plot and the subsequent cost of construction.
Balance Transfer
Switch your existing high-interest home loan to us and save lakhs in interest with our Top-up facility.
The Goodfind Housing Promise
We ensure 100% transparency in property title search and technical valuation, ensuring that your dream home is a safe and secure asset for your family.
Strategic Advantages
Extended Tenure
Repay your loan over a period of up to 30 years, ensuring your monthly EMIs remain comfortably low.
PMAY Support
Assistance in availing Credit Linked Subsidy Scheme (CLSS) benefits for first-time home buyers.
Zero Prepayment Fees
Close your loan early or make part-payments without any penalty on floating interest rate loans.
Top-Up Facility
Get additional funds for home renovation or personal needs at the same attractive home loan interest rate.
Expert Legal Advice
In-house legal and technical experts to help you verify property chain documents and builder credibility.
High LTV Ratio
Get funding up to 80-90% of the property value, requiring minimal down payment from your pocket.
Home Buyer Merit System
Salaried Applicants
- ✔ Age: 21 – 65 Years
- ✔ Min Salary: ₹35,000 (Metros) / ₹25,000 (Others)
- ✔ Work Exp: 2 Years total / 1 Year current
- ✔ CIBIL Score: 750+ for best rates
- ✔ Co-applicant: Adding a spouse enhances eligibility
Self-Employed
- ✔ Business Vintage: Minimum 3 Years
- ✔ Min ITR: ₹5 Lakhs p.a.
- ✔ Profs: Doctors, CAs, Architects preferred
- ✔ Banking: Healthy average quarterly balance
- ✔ Office: Owned or stable leased location
The Property Checklist
Financial Docs
Last 6 months bank statement, 3 months salary slips, and 2 years Form 16/ITR.
Primary Property Docs
Registered Sale Agreement, Allotment Letter, and Possession Certificate (for ready homes).
Technical & Legal
Approved Building Plan, Occupancy Certificate (OC), and Parent Documents (30-year track).
Construction Specific
Approved architectural estimate and construction schedule for plot + structure loans.
Affordability Calc
Plan your home purchase with our precision EMI engine.
MONTHLY HOUSING EMI
₹ 22,093
Interest Payable₹ 28,02,320
Total Cost₹ 53,02,320
Cost Structure
| Expense Head | Charges / Schedule |
|---|---|
| ROI (Floating) | 8.50% to 9.75% (Linked to Repo Rate) |
| Processing Fee | 0.25% to 0.50% of Loan Amount |
| MODT Charges | Actual state-wise stamp duty charges |
| Prepayment | NIL (Individual borrowers / Floating rates) |
| CERSAI Fee | ₹50 to ₹100 per property |
Home Buyer Knowledge Base
Fixed vs Floating Rates?
Floating rates are usually lower and benefit from market dips, while fixed rates offer stable EMIs regardless of repo rate changes.
Tax Benefits?
Under Section 24(b), you can claim deductions up to ₹2 Lakhs on interest, and ₹1.5 Lakhs on principal under 80C.
What is MODT?
Memorandum of Deposit of Title Deeds (MODT) is an undertaking that you are depositing the property documents with the bank as security.
