Home Loan - Features and Benefits

Dhanagar Micro Care Foundation offers a Home Loan of Rs.5 crore, or even higher basis eligibility, at an interest rate starting at 6.70% p.a. for salaried and professional applicants. You can repay the loan over a flexible tenor of up to 30 years, claim annual tax benefits, and save up to Rs.2.67 lakh through an interest subsidy under the EWS and LIG categories of the PMAY scheme. As an existing home loan customer, you can also avail of a top-up loan of Rs.1 Crore*, or even higher, when you transfer your existing home loan to us.

Whether you’re looking to purchase, construct, or renovate a home, the Dhanagar Micro Care Foundation Home Loan is the one-stop solution for your housing loan needs. Simple eligibility terms and minimal documentation requirements ensure the financing option is easy to apply for everyone.

• Pradhan Mantri Awas Yojana (PMAY)

  Home Loans get more affordable than ever, with assistance from the Pradhan Mantri Awas Yojana (PMAY) for first-time homeowners. Reduce your Home Loan EMIs with PMAY by getting a subsidy on your Home Loan interest rate.

• Easy balance transfer facility

  Refinance your existing home loan with Dhanagar Micro Care Foundation, with minimal documentation and faster processing. Apply for home loan transfer, and get a top-up loan at a nominal interest rate.

• Top-up loan

  Finance your other requirements with a high-value top-up loan over and above your existing housing loan. Get a sizeable top-up loan at a nominal rate of interest without any extra documentation.

• Property dossier

  Get a customised report to guide you through all the legal and financial aspects of being a property owner.

• Part-prepayment and foreclosure options

  Part-prepay or foreclose a loan on gold against zero charges. Traders and builders can also get top-up loans without paying any additional charges.

• Flexible tenor

  Flexible tenors ranging up to 30 years, to fit your repayment capacity.

• Minimal documentation

  Easy Home Loan eligibility criteria and minimal documentation ensure that the application process is easy, quick, and hassle-free.

• Online account management

  Online management of your Dhanagar Micro Care Foundation Home Loan using our digital customer portal, for your convenience.

• Customised insurance schemes

  We offer customised insurance schemes to protect your family from the burden of repaying the housing loan in case of unforeseen events.

Eligibility Criteria for a Home Loan

Eligibility criteria for the Dhanagar Micro Care Foundation Home Loan are simple; any Indian national with a good financial profile can obtain funding. Some of the criteria differ depending on whether you are salaried or self-employed, while other remain common. For instance, for two persons of the same age, the one with a higher credit score is likely to be able to borrow a higher loan amount.