Home Loan

Your Trusted Partner in Finding the Perfect Home Loan Solution

loan services

Loans for homes provide high-value financing at cheap interest rates and for a long time. Through EMIs, they are paid back. After repayment, the Bank’s charge on the property is released.

Documents Required*

KYC

Photo Identity:​

• Pan Card
• Aadhaar Card
• Passport all copies
• Visa all copies

Photo Identity:​

• Self owned residence – Latest electricity bill
• Rented residence – Latest electricity bill of owner

Colour Photo

Income Documents​

• Last 3 yrs Job Continuity
• Appointment letter
• Latest 6 months salary slips
• Last 2 years form 16 (part A & B)
• Last 1 year Bank Statement Where Salary Credit.
• If Any Ongoing Loans / Obligations Then Statement of Loan Account for loan track.

Proprietorship

KYC

Photo Identity:​

• Pan Card
• Aadhaar Card
• Passport all copies
• Visa all copies

Photo Identity:​

• Self owned residence – Latest electricity bill
• Rented residence – Latest electricity bill of owner

Colour Photo

Business Proof

• Gomasta copy – Udyam Aadhaar
• Office Electricity Bill
• Office if Rented – Rent Agreement

Income Documents​

• Business Profile
• Last 3 years Financial Returns Along with statement of Income
• Balance Sheet
• Profit & Loss account
• CA Attested last 3 yrs 26 AS
• If GST are Filling, then GST Certificate Last 2 yrs GSTR-3B
• Debtors & Creditors – last 2 yrs

Partnership

KYC

Photo Identity:​

• Pan Card
• Aadhaar Card
• Passport all copies
• Visa all copies

Photo Identity:​

• Self owned residence – Latest electricity bill
• Rented residence – Latest electricity bill of owner

Colour Photo

Business Proof

• Gomasta copy – Udyam Aadhaar
• Office Electricity Bill
• Office if Rented – Rent Agreement

Income Documents​

• Company Pan card
• Partnership Deed
• Last 1 year company current a/c banking
• Individual financials
• For last 3 yrs statement of income
• Balance sheet
• Profit & Loss account
• CA Attested last 2 yrs 26 AS
• If GST are Filling, then GST Certificate Last 2 yrs GSTR-3B
• Individual banking for last 1 year – SB / CA both

Private Limited

KYC

Photo Identity:​

• Pan Card
• Aadhaar Card
• Passport all copies
• Visa all copies

Photo Identity:​

• Self owned residence – Latest electricity bill
• Rented residence – Latest electricity bill of owner

Colour Photo

Business Proof

• Gomasta copy – Udyam Aadhaar
• Office Electricity Bill
• Office if Rented – Rent Agreement

Income Documents​

• Company Pan card
• Memorandum of Article
• All Director’s pan card & adhaar card
• For last 3 yrs statement of income
• Balance sheet
• Profit & Loss account
• Debtors & Creditors
• All Director’s 3 years individual financials statement of income
• CA Attested last 2 yrs 26 AS
• If GST are Filling, then GST Certificate Last 2 yrs GSTR-3B
• All Director’s individual banking for last 1 year – SB / CA both
• If any other on going Loans – statement of loan account
• Incase of existing loan takeover – Last 1 year Statement of loan account & foreclosure Letter
• Complete chain of property documents – along with society registration certificate. Approved plan copy too

KYC

Photo Identity:​

• Pan Card
• Aadhaar Card
• Passport all copies
• Visa all copies

Photo Identity:​

• Self owned residence – Latest electricity bill
• Rented residence – Latest electricity bill of owner

Colour Photo

Income Documents​

• Last 3 yrs Job Continuity
• Appointment letter / Contract letter
• Employment Job Confirmation Letter HR – Mail ID
• Latest 12 Months Salary Slips
• Last 1 year Bank Statement Where Salary Credit.
• If Any Ongoing Loans / Obligations Then Statement of Loan Account for loan track.

ROI last updated in mid 2024

Rate of Interest Chart

(Subject to CIBIL Score)

Bank of Maharashtra

CIBIL Score ROI %
800 & Above
8.35
700 to 799
8.40
725 to 749
8.80
700 to 724
9.30

Bank of Baroda

CIBIL Score ROI %
800 & Above
8.40
771 to 799
8.60
751 to 770
8.80
726 to 750
8.85

Bank of India

CIBIL Score ROI %
825 & Above
8.40
800 to 824
8.50
760 to 799
8.70
725 to 759
8.80

State Bank of India

CIBIL Score ROI %
825 & Above
8.50
750 to 824
8.70
700 to 749
8.80
Sunil Mehendale, Director of perfect solution

How can we help you with the home loan process?

We provide end-to-end support to make your home loan balance transfer journey smooth and profitable. 

  • We identify the best bank by comparing their interest rates features and cost involved. 
  • We negotiate with lenders.
  • Organize important documents.
  • Submit the documents
  • Do all necessary coordination until your transfer process is complete.
EMI Calculator

EMI Calculator

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What people talk about us

Testimonials

I, Satish Pawar, Director of Initiators Logistics India Pvt Ltd. I am in to business of freight forwarding and custom clearance since decade. We provide unique logistics solutions to exporters and Importers across the world. This is just not an appreciation to Sunil ji but recommendations to all who are looking for loans without going through long process and tremendous followup with Banks. I was looking for a loan for a new office. In my mind, there were so many questions about the selection of the right bank, ROI, and Tenure. There is only one single meeting with Sunil Ji and I got a solution to all questions. He has very good knowledge about various types of loans and good connections with all bankers. He understands the exact need of a person and gives "PERFECT SOLUTION". I got sanctioned in just 4 days, which is super fast. Thank you to Sunil ji and all team of Perfect Solution. they made the entire process so easy and convenient that even i have not visited the bank yet.. all process done by them
Satish pawar
Satish pawarDirector, Initiators Logistics India Pvt Ltd.
Dear Sunilji To book a home in Mumbai in location like Kharghar is one of my dream . I booked in 2019 Loan was sanctioned one of the bank ...it look like it will ease to get it . But sudden there is crisis happened in Sri Lanka . Suddenly Banks were avoiding to disbursement for Loans . 3-4 banks almost refuse to do it . It seems that my dream about to fail . But Mr Satish from Niharika suggest the Name of Mr Sunil Mehandle Which was last hope. I discuss with Mr Sunil two times and he give the confidence that he will do it I just agreed n trust on him . Follow the process as per instructions..n within two months I get home 🏡 loan from one of the leading bank ..which was really impossible things .He deserves for his extraordinary efforts to do so I am really thankful for his efforts to make my dream true ..
Haresh n Family
Haresh n FamilyFrom Srilanka
"We initially faced challenges securing a home loan for our flat with Today’s Global Developers due to delays and unexpected obstacles from the bank. Despite feeling disheartened, Mr. Sunil Mehendale and his team at Perfect Solution stepped in, showing unwavering support and determination. They navigated the complexities, switching banks and handling all documentation stress-free. Thanks to their dedicated efforts, we successfully obtained the loan from a well-known Nationalized Bank within a short timeframe, bringing smiles to our faces after a challenging year-long journey. Our heartfelt appreciation to Mr. Sunil Mehendale, Mr. Vishal, and the entire team for their miraculous and efficient work. Best wishes for their future endeavors!"
Mr. Jijo & Mrs. Litty
Mr. Jijo & Mrs. Litty