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As you go for constructing your dream home, or repair, restructure or add floors to your existing home, you need to have enough finances to meet the expenses. However, it is not always possible to have that much amount through proper earnings and you may need to take home loans. All the banks in the country are more than eager to provide house loans but one should always "Take Home Loan From 40+ Top Banks" ignoring the rest. Taking the loans from these designated banks that tops the list is very advantageous as they have an extensive presence throughout the country and the interest rates are not exorbitant.

Taking Home Loans:

You may take it for construction anywhere in the country from these top 40+ banks branches spread across the length and the breadth of the country. One can make a "Home Loan in Tricity" that is Chandigarh, Mohali or Panchkula and construct the dream home at Nainital. With all these 40+ banks providing online services for the residence loans, getting them has been like a cakewalk these days. However, before the granting of it, one needs to fulfill the eligibility criteria, and they are more or less the same in these top banks.

The Eligibility:

          The first criterion for getting it is to be an Indian citizen while taking home loans from the top 40 Indian Banks.
           The age varies depending on the occupation of the person. The age limit for the salaried class is between 21 and 60 years whereas for the self- employed the maximum age limit extends to 70 years.
          The banks always look for sound financial backgrounds of the person wanting a loan and for a salaried class the uninterrupted work experience at the time of seeking loan is 3 years and for the self- employed it is 5 years.
      One should have a good credit score as it helps to expedite the loans, get them with less interest and extended period of loan repayment time with less EMI’s. A good credit score always reflects the person financial commitments, and credibility and the top 40+ banks reckon this factor to a large extent.

Document Needed:

            The salary slip and the bank statement of the salaried class and the income tax return and balance sheets for previous three years and the bank statements are required to get them smoothly.
            Copies of pan card, aadhar card, and voter card as a proof of identity and address is to be submitted while applying for the loan.
                One needs to submit passport sized photograph while applying for the house loans.

Getting the loans is very easy if you keep pledging some of your assets of fixed deposit as collateral security with the bank. It also ensures a lower interest rate. However, the title deed of the property that is to be purchased or built needs to be pledged with the bank.


It is not possible to build your dream house without taking financial support in the form of home loans from the banks. One should always take these types of loans from the top 40+ banks in the country to avoid the hassles and get the loan with ease.


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