Get Home Loan & Loan On Properties
Loan as per your needs
Home Loan
Turn your dream home into reality with quick and easy home loans
Loan Against Properties
Get a loan against your property with low interest rates and no foreclosure charges.
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Home Loan Amount
Home Loan Up To Your Limit
Upto 30 years
Upto 30 years of Tenure
Interest Rate
Floating Interest Rate
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Meet Our Team
Mr. Shri Gopal Varshney, the visionary founder of Varshney Financial Services, has been guiding individuals and businesses towards financial prosperity for over two decades. With his in-depth knowledge and experience, he has helped countless clients achieve their financial goals through tailored investment strategies and expert guidance.
With over a decade of experience in the financial industry, Mr. Prateek Varshney has been a driving force behind Varshney Financial Services. His expertise in life insurance, health insurance, mutual funds, fixed deposits, and home & mortgage loans has helped countless clients achieve their financial goals.
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Frequently Asked Questions
A home loan is essentially a financing option where funds are provided to an individual or an entity for the purchase, construction, extension, or renovation of a residential or commercial property. Lenders provide funds upfront, and borrowers repay through monthly installments, usually over many years. It’s crucial for prospective homeowners to understand the terms, interest rates, tenure, and eligibility criteria before applying.
Home Loan eligibility is determined by factors like age, income, employment stability, credit score, existing financial obligations and nationality. applicants aged 20-65 (salaried) or 21-70 (self-employed), with a minimum income of Rs 25,000, stable employment or business record, a good credit score of 700+, and Indian nationality are eligible. These parameters ensure a comprehensive assessment aligning with the bank’s policies and regulations.
A Loan Against Property is a Secured Loan, where you can mortgage your residential, commercial or special use property to get immediate funds for any purpose, ranging from business expenditure to personal needs. In LAP, the property you own, which has a clear title, is kept with Bank as a collateral or security, to help you get financial assistance
- When it comes to a Loan Against Property eligibility, Against Property is available for salaried individuals between the age of 25 to 65, who want to fund wedding expenses, child’s education, medical treatment, property purchase, debt consolidation or for any other purpose.
- The Loan facility is also available to self-employed individuals who have their own business or practice. The minimum age is 25 and the maximum is 65, when it comes to a Loan Against Property’s eligibility.
- Bank LAP is also tailored to meet the needs of medical professionals. This category of customers can easily qualify for the Loan and get an Instant Loan Against Property approval on the loan amount.
- Doctors are eligible to get a Loan amount up to 75% of their property value. They can use the funds for buying medical equipment, expanding their operations, buying a second home and more.
- The funding is also available for industrial or any other special use properties, for a tenure of up to 10 years.