About the program

HomeCapital is founded on a simple yet powerful idea of solving the critical problem of helping home buyers overcome the challenge of making initial/residual payments. As a technology-driven company, with a mission to accelerate home ownership for a billion home buyers. Now with flexible repayment tenure of 3, 6 or 12 months EMI.

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Program Highlights

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Available for Home Interiors, Home Improvements, Initial Payments, Stamp Duty and Registration, as well as intermediate and final payments for your home.
Interest free assistance payable in flexible tenure of 3, 6 or 12 equated monthly installments.
Check eligibility & get In-Principle sanction in one minute.
Fast and completely digital application process, get money in your account on the same day.
Accepted by the all leading developers across major cities.
No lien on your house. No effect on your home loan eligibility.

Program Benefits

Accelerated home ownership with reduced waiting time
Our program allows you to purchase your dream home today by cutting your initial payment requirements by 50%, eliminating the need for a costly personal loan.
Interest free assistance
You only need to repay the Personal Loan for Home Owners amount in flexible 3, 6 or 12 equal monthly installments without any interest charges.
Buy the home you have always desired
By receiving the Personal Loan for Home Owners, you can double the amount available for your initial payment on your new home.
Reduce your risk
Our assistance enables you to hold onto your contingency fund and enjoy peace of mind.

Illustrations

Consider the home price is ₹50 lakhs, which has a initial payment requirement of 10% (₹5 lakhs).

With the HomeCapital Program, you only need to pay ₹2.5 lakhs (50%) of the initial payment amount. The balance amount ₹2.5 lakhs (50%) is funded by the HomeCapital Program and would need to be repaid in 12 equal monthly installments, interest free.

Note:

  1. Personal Loan for Home Owners will vary as per your monthly net income.
  2. With this 3 EMIs Plan, there is a 2.49% (GST as applicable) Processing Fees of the total amount.
  3. With this 6 EMIs Plan, there is a 4.49% (GST as applicable) Processing Fees of the total amount.
  4. With this 12 EMIs Plan, there is Processing Fees upto 2% with leading developers subvention.*

Note:

  1. Stamp duty can be included in initial payment requirement in applicable states.
  2. Depicted figures are computed as per a monthly net income of ₹ 1,00,000 (HOPL amount will vary based on your monthly net income)

Note:

  1. Stamp duty can be included in initial down payment requirement in applicable states.
  2. Depicted figures are computed as per a monthly net income of INR 1,00,000 (DPA amount will vary based on your monthly net income)

Note:

  1. Stamp duty can be included in initial down payment requirement in applicable states.
  2. Depicted figures are computed as per a monthly net income of INR 1,00,000 (DPA amount will vary based on your monthly net income)

Eligibility Criteria : For any Indian resident with a stable income and sound credit track record

Your Personal Loan for Home Owners can also be calculated based on your city of preference.

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It's easy to get started

Fastrack your Home Ownership - in just 5 easy steps.

A completely digital journey with HomeCapital

For customers

A simple application process through web or mobile will calculate your eligibility amount and give you an in-principle approval in real-time.

Start application

For developer partners

Accelerate home ownership for your customer by partnering with the pioneers of Personal Loan for Home Owners in India.

Partner with us

Download our user guide to begin

Read through our detailed guide to navigate your way through your application. For further questions, get in touch.

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