Home Loan
Structured approvals, even in complex profiles.
- Interest rateFrom 7.10%* p.a.
- Loan amountUp to ₹10 Cr
- TenureUp to 30 years
About this product
Why clients choose Viva Capital for HL.
Home loans for ready-to-move, under-construction, plot purchase, or self-construction. We match your profile with the lender most likely to approve your case — including profiles where banks have previously declined.
What we offer
Key features
- Floating and fixed rate options
- Pre-approved sanctions for fast property closures
- Balance transfer with top-up
- Joint applications and tax-benefit structuring
Who can apply
Basic eligibility
- Indian resident, age 21 — 65
- Stable income — salaried (₹40,000+/month) or self-employed (2+ years ITR)
- CIBIL score 700+ preferred (lower considered case-by-case)
Keep ready
Documents required
- KYC (PAN, Aadhaar, address proof)
- Income proof (salary slips, ITR, bank statements)
- Property documents (sale agreement, builder allotment, etc.)
A working promise
“A senior advisor reads your file, picks the lender most likely to approve it, and stays with the case until disbursal — even when the first bank says no.”
Our Process
From first conversation —
to disbursal and beyond.
A guided four-step process built around clarity and speed. No opaque hand-offs, no junior routing — one senior advisor walks the case through.
- 01
Profile Review
Tell us your goal. A senior advisor reads your file end-to-end and identifies the right route.
- 02
Bank Matchmaking
We compare offers across 40+ lenders and pick the one most likely to approve your profile, at the best rate.
- 03
Documentation
We simplify the paperwork and structure it the way underwriters can underwrite — no guesswork.
- 04
Sanction & Support
Funds in your account — and continued assistance after disbursal. We stay with the case.
Trusted by Leading Banks & NBFCs
