Housing Loan
Home Loan
A home is more than just a structure; it’s a sanctuary for your family and a cornerstone of your financial future. At WES BEN ENTERPRISES PVT LTD., we offer tailored Home Loan solutions to help you purchase, construct, or renovate your dream residence.
As a secured loan, your property serves as the collateral, allowing us to offer you significant loan amounts with extended tenures. With our easy Equated Monthly Instalment (EMI) plans, the path to homeownership has never been more accessible.
We pride ourselves on offering flexible financing that adapts to your unique lifestyle and financial goals.
- Customised Loan Amounts:Financing for new purchases, plot construction, or major renovations.
- Flexible Tenures:Repay comfortably with long-term EMI options designed to fit your monthly budget.
- Transparent Processing:No hidden charges—just clear, honest communication from application to disbursement.
- Expert Guidance:Our team assists you through the legal and technical valuation of your property.
Our goal is to make home financing straightforward. We evaluate applications based on the following general prerequisites:
- Nationality:Indian citizens are eligible. (Applications from NRIs may be considered on a case-by-case basis).
- Age Profile:Applicants should typically be between 23 and 65 years of age.
- Employment Status:Available to earning individuals. Unemployed individuals are encouraged to apply as co-applicants with an earning family member.
- Professional Stability:
- Salaried Employees:Minimum of 3 years of total work experience.
- Self-Employed Individuals:Minimum of 5 years in the current line of business.
Credit Score: A score of 750+ is preferred for our best rates. Applicants with lower scores may still be eligible, though interest rates may vary.
To ensure a hassle-free application process, please keep the following documents ready:
Category | Documents Required |
Identity & Address | PAN Card, Aadhaar Card, Passport, Voter ID, or Utility Bills. |
Income (Salaried) | Last 6 months’ bank statements and salary slips for the last 3 months. |
Income (Self-Employed) | Business Registration proof, Practice License, and Income Tax Returns (ITR). |
Property Documents | Sale Deed, Transfer of Ownership documents, and cost estimates for the property. |
Application Essentials | Completed home loan application form and recent passport-size photographs. |