Home Loans forSalaried Professionals

Salaried employee home loans offer exclusive benefits like 60-second pre-approval, interest rates starting from 7.35% p.a., 24-48 hour processing, up to 90% property financing, and special privileges based on your employer category. Banks view salaried professionals as low-risk borrowers due to stable income, resulting in better terms and faster approvals.

Typically, you can get 60-80 times your monthly salary as loan amount. For example, with a salary of ₹50,000, you may be eligible for ₹30-40 lakhs. The exact amount depends on your employer category, Credit score (750+ preferred), existing EMIs, and work experience. Government employees and MNC professionals often get higher multiples.

For digital processing, you need: PAN & Aadhaar Card, last 3 salary slips, 6 months bank statements showing salary credits, employment letter/ID card, Form 16 for 2 years, and property documents. Many banks now offer e-verification, reducing physical documentation significantly for Category A employers.

Yes! Government employees get rates as low as 7.35% p.a., 100% property funding, no processing fees, and extended tenure beyond retirement. IT professionals and MNC employees receive pre-approved offers, up to 90% LTV, overdraft facilities, and priority processing. PSU bank employees get staff loan benefits at base rates.

Absolutely! Balance transfer can save you up to ₹15 lakhs over the loan tenure. We help you compare your current rate with offers from 90+ banks, calculate exact savings, and manage the entire transfer process digitally. Most banks offer zero foreclosure charges on floating rate loans.

Step-up EMI allows you to start with lower EMIs that increase gradually as your salary grows. For instance, pay 20-30% lower EMI initially and step up by 5-10% annually. This is perfect for young professionals expecting salary hikes, allowing them to buy property earlier while managing cash flow effectively.