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Super Loans

In your search for the perfect home, we’re as invested as you are. Your eligibility today is not a measure of your success tomorrow, so why restrict yourself? Whether it’s about buying a bigger house, investing in your first property or even reducing your EMI to let your wallet breathe easy, we have the solutions for you.

We take pride in introducing Super loans. Get up to 20% higher loan eligibility or choose to get up to 15% lower EMI on your existing loan. The EMI will be structured in a way that empowers you to step into your vision of tomorrow, today itself. To know more about Super loans, get in touch with us at the earliest!

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GET READY FOR YOUR NEW HOME!

PURPOSE
  • Choose a home loan with up to 20% higher eligibility.
  • Reduce your EMI by up to 15% instead of a higher loan depending on your requirement.
  • Top up without additional EMI.
MAXIMUM LOAN
    We offer to fund up to 90% of the cost of the property (including the cost of the land). This is subject to the regulatory caps and your repayment capacity.
MAXIMUM TERM
    Up to 30 years subject to your retirement age.
APPLICANT AND CO-APPLICANT TO THE LOAN
    Home Loans can be applied for either individually or jointly.
ADJUSTABLE INTEREST RATE HOME LOAN
Rate of interest is linked to Retail Prime Lending Rate (RPLR) and is subject to vary with changes in RPLR.
ELIGIBILITY CRITERION
    Customer Segment
  • Salaried Individuals (Both resident as well as Non Resident Indians)
INTEREST RATES
Interest Rates starting from 8.65% p.a
Retail Prime Lending Rate (RPLR) – 15.65% p.a (effective October 8, 2018)
TAX BENEFITS
The income tax authorities offer certain benefits and exemptions to individuals who have taken a housing loan from specified financial institutions.
  • Section 24 of the Income Tax Act
    Interest paid on capital borrowed for the acquisition, construction, repair, renewal or reconstruction of property is entitled to a deduction. Rs 2,00,000 is the maximum amount eligible for deduction in the case of self-occupied property and for rented out property there is no limit of amount of deduction.
  • Section 80C of the Income Tax Act
    You can get a maximum Rs.1,50,000 deduction from the Income, on repayment of principal during a financial year. Stamp duty, registration fee or other such expenses paid for the purpose of transfer of such house property to the assessee is also considered under this amount.
INTEREST STARTS ON THE DAY YOU ACCEPT THE CHEQUE AND NOT WHEN WE PRINT IT.
DEDICATED RELATIONSHIP MANAGER
Get expert advice and support at every step of your home-buying experience. Don't worry or stress about waiting in long queues online or offline - just call your dedicated relationship manager!
ADVISORY SERVICES FOR PROPERTY SELECTION.
Owning your own home is one of life’s greatest decisions and investments. Introducing, "Piramal Verified" our in-house, robust framework to ensure that both, your home and home loan come from a trusted source.

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INSURANCE PRODUCTS
LIFE AND HOME INSURANCE
Investing in real estate has long been the most lucrative option of choice for Indians. However, the continually increasing prices and the associated high financial exposure makes buying real estate an expensive affair, and hence, most individuals opt for a home loan. A home loan EMI forms a significant chunk of one’s financial plans, and in any unfortunate event to the borrower or the property, the financials of the borrower may be considerably affected impacting his or her ability to re-pay the loan.

To ensure that all our customers are secure and have a sense of comfort during the tenure of re-payment of the loan, Piramal Capital & Housing Finance, recommends to each of its esteemed customers to get their loan repayments and properties insured. Piramal Housing is extremely pleased to tie up with HDFC Life to provide for life insurance cover for its customers and HDFC Ergo to insure the property financed. Under these tie-ups customers can make their insurance premium payments hassle free and seamless. Piramal Capital & Housing Finance , via its partners, is wholly committed to provide best-in-class products and services to all its customers.
ELIGIBLE CUSTOMER SEGMENT
  • Salaried Individuals
LOAN AMOUNT
  • From 20 Lakhs to 10 Crores
INCOME CLUBBING
  • Income of close family members ( Spouse / Parent / Children ) can be clubbed.
  • Incomes of siblings can be clubbed, subject to conditions, if they are co-owners in property.
LOAN TO MARKET VALUE
Loan amountupto 30 Lakhsupto 30 -75 LakhsMore than 75 Lakhs
FundingUpto 90%80%75%

The above is subject to market value of the property and repayment capacity of the customer, as assessed by PCHF

PHOTO IDENTITY PROOF
    Any one of the below mentioned documents:
  • Passport
  • PAN
  • Aadhar Card
  • Driving License
  • Voter ID Card
CURRENT RESIDENCE ADDRESS PROOF
    Any one of the below mentioned documents:
  • Passport
  • Ration Card
  • Aadhar Card
  • Driving License
  • Voter ID Card
AGE / DOB PROOF
    Any one of the below mentioned documents:
  • Passport
  • Ration Card
  • Driving License
  • Birth Certificate (issued by Government body)
  • School leaving certificate (10th)
BUSINESS / EMPLOYMENT PROOF
    Salaried customer:
  • ID card with date of Joining / appointment letter.
INCOME DOCUMENTS
    Salaried customers:
  • Payslip for last 3 months.
  • Latest Form 16 or ITR
  • Performance Appraisal letter / Bonus letter - as proof of bonus ( if applicable)

Testimonials

We are in the business of financial planning but the day I finalised my property, I needed to get a loan and I found Piramal to be the best option. They cater to all the requirements of the customers and helped me at every single step along the way.

Nirmal Dand,
Financial Planner
nirmal-dand