The Future of
Smart Living & Investment
A great plateform to buy, sell and rent your properties without any agent or commisions.
Smart Assistant
Our Services
Comprehensive home loan solutions tailored to your needs
Home Loan Consultancy
Your Home Loan application will be accepted only after you pass the eligibility test.
We provide Home Loan through Banks or Non-Banking Financial Institutions with competitive interest rate for construction of house. Our team is discussing in detailed about the loan value, Tenure and interest and other conditions with the customers and deciding the eligibility required by the customer.
A Roof above Your Headg
To have your own home perhaps will be the biggest investment of your life. It offers you shelter and long-term security. Moreover, real estate appreciates more often than it depreciates. No wonder owning a house is a badge of honour in itself. Hence, being able to own a property is the first and foremost benefit of applying for a Home Loan.
Investment Purposes
Property value appreciates at the speed of light. It’s an investment that, more often than not, will give you fantastic returns. Sometimes, more than 100%. You buy a house today and within a few years, its market value will shoot past what you paid for it. To this end, many people buy under-construction properties at affordable rates and then rake in profits from a sale when prices soar. If you feel a property has great potential for growth, grab it now with a Home Loan.
We Are Associated With
We partner with leading financial institutions to bring you the best home loan options with competitive interest rates and flexible terms.
We Offer Loans For
Various home loan options to suit your specific requirements
Land Purchase Home Loan
When it comes to getting a house of your own, you might wish to start at the very roots. Thinking about buying a piece of land and building on it rather than going for a ready-made home, i.e. We associated with such Banks which usually finance up to 85% of the land cost.
Home Construction Laon
A Home-Construction Loan is exclusively taken for constructing a house rather than purchasing a constructed property. We make sure that this loan affords you the flexibility to plan your home.
Home Purchase
Well, we understand if you don’t want to deal with the hassle of supervising a noisy construction site. In this case, we help you apply for a Home Loan to purchase either a new or an old property. We associated with such banks that usually finance up to 80% to 95% of the property value.
NRI Loans
We help non-resident Indians to purchase properties in India. The formalities for NRIs getting a Home Loan in India are the same as those for resident Indians.
Home Expansion
If you wish to add another storey to your house or build a few more rooms in your backyard, we help you apply for a Home-Expansion Loan.
Home Improvement Loan
Apply for a Home-Improvement Loan. You can take this loan to refurbish your home and make it look as good as new
Home conversion
It might happen that you avail a Home Loan for a certain house and then we found something better for the same price. You want to make the switch and that feeling of, with the help of a Home-Conversion Loan, we help you use the loan taken for one property to buy another property.
Resale Property Loan
As the name goes, a loan sanctioned for buying resale properties is called a Resale Property Loan. A resale property is one which has been previously owned by someone else. It is not a new house and you will not be the first owner.
Bridge Loan
This loan is to help you buy an additional property. It is suitable for those who wish to purchase a second home. Bridge Loans are short-term loans and are usually granted for a period of less than 2 years.
Top-up Loan
We help you take a Top-Up Loan on your Home Loan to meet personal expenses or to buy things for your new house. Having a Home Loan is mandatory to get a Top-Up Loan. Top-Up Loans are ideal for those people who are in need of urgent cash. Moreover, these loans come at a lower rate of interest than a Personal Loan.
Loan Against Property
Consumers are getting value of their property i.e. Loan against property. It’s simple, fastest, cheapest way to rise funding from Banks and Non-Banking Institutions. Mortgage the property and get the required funds for Business Development, Education of Son/Daughter or Marriage of Son/Daughter.
Project Loan Consultancy
Pragathi Properties have fixed a position in the industry by rendering highly efficacious project Loan Consultancy Services in Udupi District. Attributed for its flexibility and reliability these Project Loan Consultancy Services are broadly demanded. We are specialised in providing Project Loan Consultancy for various industrial sector for a specific project. Furthermore, these personnel offer great help to our patrons for the preparation of project report with bankers, financial institutions and many others.
Pragathi Properties deliver these Project Loan Consultancy Services to our clients after understanding their budgetary requisites. Our clients 100% satisfied with our Project Loan Consultancy Service which we provide in Udupi District. Project Loan Consultancy Services are provided as per the needs of our patrons within promising time frame. Our offered Project Loan Consultancy Service is highly accepted.
Additional Information
Tax Benefits
A Home Loan comes packed with many tax benefits. We have CA professionals to make sure that Home buyers get tax exemption on the principal as well as interest payments.
Other Costs
We keep a look out for processing, administration and legal fees. We ensure that these are clubbed with the interest rate, the sum might set you back a great deal. These additional costs are negotiable.
Documents Required
Essential documents needed for home loan application
Basic Documents To Be Submitted By All Home Loan Applicants
-
Proof of Identity
- Passport
- Driver's License
- Voter ID
- PAN Card
- Aadhaar Card
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Residence or Address Proof
- Passport copy
- Utility bill (electricity, water)
- Gas bill
- Rental agreement
- Ration card
- Voter ID
- Driver’s license
- Property tax bill
- Domicile certificate with address
-
Age Proof
- Passport
- Driver’s license
- PAN Card
- Completed Home Loan application form
- Passport size photographs
- Property documents
- Income proofs (Bank statements and other financial proofs)
Additional Document for Salaried Employee
- Loan application form
- Passport size photograph
- Form 16
- Processing fees cheque
- Income proof
- Last 6 months' bank statement
- 3 months' salary slips
Additional Document for Self-Employed
- Loan application form
- Passport-size photographs
- Form 16
- Income proof
- Bank statement
- Passbooks
- Processing fee cheque
- Educational qualification certificates
- Last 3 years' Income Tax return Certificates
- Last 3 years' Audit Balance Sheet certified by a CA
Additional Document for Self-Employed Non-Professionals
- Completed Loan application form
- Passport-size photographs
- Form 16
- Income proof
- Bank statement
- Passbooks
- Processing fee cheque
- Proof of business existence or business profile
- Educational qualification certificates
- Last 3 years' Income Tax return Certificates
- Last 3 years' Audit Balance Sheet certified by a CA