Find The Right Home Loan / Compare Leading Banks

Planning to buy a home and looking for a home loan in Kerala?

Option Credits Services Pvt Ltd helps you check housing loan options from different banks and NBFCs. We help you understand the process, check your eligibility, and compare available home loan online offers before you decide.

  • Home Loan Options From Multiple Banks And NBFCs
  • Help With Eligibility And Documents
  • Support During The Loan Application Process
  • Compare Interest Rates From Different Lenders
  • Service Available Across Kerala
Home Loan
15,000+
Loans Approved

Why Choose Option

Multi Bank Comparison

Instead Of Approaching One Bank After Another, We Help You Check Home Loan Options From Different Banks And NBFCs.

Eligibility Check

Based On Your Income, Credit Score, And Repayment Capacity, We Help You See How Much Loan Amount May Be Possible.

Guidance During The Process

Home Loan Applications Involve A Few Steps And Documents. We Guide You Through The Process And Help You Understand What Is Required.

Process Follow-Up

Our Team Keeps Track Of The Application And Stays In Touch With The Lender During The Process.

Different Loan Options

Whether You Are Buying A Home, Constructing A House, Or Purchasing Property, We Help You Check The Available Loan Options.

Compare Rate Options

Since We Deal With Multiple Lenders, You Can Look At More Than One Interest Rate Before Making A Decision.

Lowest Interest Rates

Access Special Rates Starting From The Current Market Best (Based On Your CIBIL).

High Funding (LTV)

Get Up To 80%–90% Funding Of The Property Value.

Flexible Tenure

Extended Repayment Options Up To 30 Years.

Balance Transfer (BT)

Switch Your Existing High-Interest Home Loan To A Lower-Rate Bank And Save Lakhs In Interest.

Top-Up Facility

Get Additional Funds For Home Renovation Or Personal Needs Alongside Your Home Loan.

Doorstep Service

We Handle The Heavy Lifting — From Document Collection To Coordinating With Bank Legal / Valuation Teams.

Expert Legal & Technical Guidance

We Help You Navigate Property Document Verification To Ensure A Smooth Approval.

PMAY & Subsidy Support

Guidance On Available Government Schemes For First-Time Homebuyers.

Eligibility

If You Are Planning To Apply For A Home Loan, Lenders Usually Look At A Few Basic Factors.

Basic Requirements

  • Age: 21 To 60 Years
  • CIBIL Score: 700+ Is Generally Preferred
  • Salaried or self-employed applicants
  • Regular Source Of Income
  • Repayment Capacity

Profiles That May Get Consideration

  • Customers With Steady Income History
  • Applicants With Good Banking Records
  • Business Owners And Professionals
  • Agricultural Or Rental Income Profiles
  • Case-Based Bank Programs
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Loan Options Under Home Loans

Loan options may vary depending on your profile and bank approval.

Home Purchase Loan

Loan Support For Buying A Ready Or Under-Construction Home.

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Home Construction Loan

Loan Assistance For Building A House On Your Own Land.

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Balance Transfer Option

Move Your Existing Home Loan To Another Bank If Better Terms Are Available.

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Home Renovation Loan

Upgrade, Repair, Or Renovate Your Existing Home With Flexible Financing Options.

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Plot Purchase Loan

Purchase Residential Plots Easily With Affordable Loan Solutions And Flexible Repayment.

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LAP (Loan Against Property)

Unlock Funds By Using Your Residential Or Commercial Property As Security.

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Composite Loan (Plot + Construction)

Get Combined Financing For Plot Purchase And Home Construction Under One Loan.

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Documents Required

Documents may vary based on lender and profile

For Salaried Applicants

  • PAN Card
  • Aadhaar Card
  • Last 3 Months Salary Slips
  • Last 6 Months Bank Statement
Note: Additional documents may include Form 16, property papers, or business proofs depending on the lender. Terms and approvals are subject to bank/NBFC discretion.

For Self Employed

  • Pan Card
  • Aadhaar Card
  • ITR (2 Years)
  • Last 6 Months Bank Statement
Note: Additional documents may include Form 16, property papers, or business proofs depending on the lender. Terms and approvals are subject to bank/NBFC discretion.

Basic Property Documents Required

  • Title Deed / Sale Deed – Current owner’s ownership proof with legal validity.
  • Previous Title Documents – Parent deed / ownership chain for the last 13–30 years.
Additional documents may vary depending on property type, lender requirements, and loan category.

Additional Documents for Different Cases

  • If Buying Flat / Apartment – Builder Agreement, RERA Registration, NOC from Builder, Allotment Letter, Maintenance receipts.
  • If Construction Loan – Estimate from Engineer, Construction agreement, Architect/Engineer certificate.
Additional supporting documents may vary depending on lender policies and property type.

Feel Free To Use Our EMI Calculator

Monthly Payment (EMI)
₹12,674
Total Interest
₹1,08,362
Total Amount
₹6,08,362
Home Loan

Eligibility Checker

Home Loan FAQ Section

Option Credits Services Compares Home Loan Offers From Multiple Banks And NBFCs, Helping You Get The Best Interest Rate And Loan Terms. We Handle The Application, Document Support, And Follow-Up Right Through To Disbursal.

Salaried Employees, Self-Employed Professionals, And Business Owners Are All Eligible To Apply. You Need A Good CIBIL Score, A Stable Income Source, And Valid Property Documents To Be Considered By Most Lenders.

Generally Required Documents Include PAN Card, Aadhaar Card, Income Proof, Bank Statements, And Property Documents. Our Team Will Help You Confirm The Exact List Based On Your Lender And Profile.

Sanction Time Varies By Bank But Typically Takes 5–15 Working Days After All Documents Are Submitted. Our Team Follows Up Closely To Ensure Faster Processing.

Yes, Most Banks Allow Home Loan Prepayment. Floating Rate Loans Generally Have No Prepayment Penalty While Fixed Rate Loans May Have Charges. Our Team Can Help You Understand The Specific Terms Of Your Lender.

Yes, many banks provide home loans for approved under-construction projects subject to eligibility and builder approvals.

PMAY (Pradhan Mantri Awas Yojana) is a government scheme that may provide interest subsidy benefits for eligible first-time homebuyers.

Yes, self-employed professionals and business owners may apply based on income documents, banking, and lender policies.

Get Your Home Loan Today

Our financial advisors are ready to help you find the best home loan. No obligation, completely free consultation.

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Compliance Disclaimer: Option Credits Services Pvt Ltd is a loan and financial product facilitation company and not a bank or lending institution. Loan approvals, interest rates, funding limits, credit card approvals, and terms are subject to respective bank/NBFC policies and RBI guidelines.