Home Loan That Make Home Ownership Accessible

Yes. Truhome Finance Limited is a regulated housing finance company with transparent policies, wide loan eligibility, and dedicated customer support at every stage of your home loan journey.

Salaried individuals, self-employed customers, micro-business owners, traders, contractors , shopkeepers, and informal-income borrowers can apply, subject to eligibility norms.

You borrow an approved amount and repay it in monthly EMIs that cover principal and interest. Interest may be charged on a fixed or floating basis. The lender performs credit, and property checks before sanctioning and disburses funds as per the sanction terms.

Truhome Finance Limited offers a range of affordable housing finance solutions to support different home ownership needs. Our products include Home Purchase Loan, Home Construction (New Plot + Construction) Loan, Home Improvement / Renovation Loan, Home Extension Loan, Home Loan Top-Up, and Home Loan Balance Transfer.

Home loans range from ₹3 Lakh to ₹10 Crore, subject to eligibility, credit assessment, and property valuation.

Interest rates starts from 9.5% p.a*. The final rate depends on the applicant’s profile, loan amount, tenure, and internal credit assessment. See the detailed rate card for current pricing.

LTV is the percentage of the property value that the lender funds. Truhome Finance may provide up to 90% LTV, subject to regulatory norms and eligibility.

Processing fees are up to 1-2% of the loan amount plus applicable taxes. Any other charges (valuation, legal, stamp duty, etc.) are communicated during sanction and documented in the loan terms.

Prepayment charges are specified in the sanction letter and the MITC and are in line with applicable regulatory guidelines.

Yes. Prepayment or part-prepayment options are available as per the loan agreement.

A co-applicant is usually a family member (spouse, parent, adult child) who joins the application and shares repayment responsibility. A guarantor provides a guarantee but may not be a co-owner or primary applicant. Use of co-applicant or guarantor depends on underwriting needs.

Yes. Combining your spouse’s income is a standard way to improve eligibility and increase the loan amount, subject to documentation and underwriting.

Yes. Truhome Finance lends against resale and under-construction properties, subject to legal, technical, and valuation checks. Construction loans are often disbursed in stages based on progress.

Part disbursement is common for construction-linked loans: funds are released in tranches based on verified construction milestones rather than a single lump sum.

Balance transfer lets you move an existing home loan from another lender to Truhome Finance to obtain better rates or terms. The transferred outstanding balance becomes the new loan subject to assessment.

Yes. You may apply for financial pre-approval or PNI sanctions based on income. A PNI sanction typically remains valid for a limited period (e.g., three months) and requires property-level legal and technical checks once a property is identified.

Default may result in penalties, a negative impact on your credit bureau score, and remedial actions as per the loan agreement and regulatory framework. It is important to contact your relationship manager at the earliest if you anticipate repayment difficulties.

Sanction and disbursement timelines vary with documentation completeness, property checks, and verification processes. Typical timelines are communicated during application and depend on case specifics.

Use the Home Loan Eligibility Calculator and EMI Calculator available on the website for an indicative estimate. Final eligibility and EMI are confirmed after document verification and credit assess.