Purchase, build, or shift
A buy, a construction, an extension, or a balance transfer. The file should name which of those the lender is being asked to fund.
Home Home Loan
Home finance, placed with the right lender.
Finance to buy, construct, or improve a house, or to transfer an existing home loan. VAP Money prepares the file and coordinates it with banks and NBFCs.
Overview
A home loan, matched to the property.
Families buying or building a home, and borrowers shifting an existing home loan, use this facility when the security is the house itself. The lender’s legal and technical checks sit alongside income and banking.
The house is the security
Title, chain, and the lender’s technical report travel with the income papers. The property stays the centre of the file.
The decision stays with the lender
Amount, interest, fees, and tenure are quoted by the bank or NBFC after legal, technical, and income checks. VAP Money coordinates that application.
Features and benefits
What the arrangement is meant to do.
One property, several lenders
The same income and property set can be discussed with more than one bank or NBFC that funds home loans.
Property papers before the application
Title, agreement, and income papers are lined up before legal and technical teams start their checks.
A person on the file
The VAP team stays with the application through those checks, until the lender sanctions or declines.
Repayment on the lender’s terms
EMI, prepayment, and any balance-transfer cost follow the sanction letter. We do not quote a rate until a lender has assessed the profile.
Eligibility and documents
What lenders usually ask to see.
These are the checks banks and NBFCs commonly apply to a home loan. The final criteria, including age, income, and the property, are theirs.
Eligibility
- A confirmed plan to buy, construct, improve, or transfer a home loan.
- Income and banking the lender can verify, including a co-applicant if one is joining.
- A property the lender’s legal and technical teams will examine.
- A contribution toward the cost, if that lender requires one.
Documents
- KYC of the applicants.
- Income papers: salary slips, or ITRs and financials.
- Bank statements for the period the lender specifies.
- Property papers: agreement, title chain, and approvals the lender’s lawyer names.
How to apply
Three steps from enquiry to the lender’s desk.
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01
Requirement
Share your name, mobile number, and what the loan is for. Use the form on this page.
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02
Papers
We tell you which KYC, income, and banking documents the matched lenders expect.
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03
Decision
The bank or NBFC verifies the file and decides sanction, rate, fees, and when funds are released.
Enquiry now
Tell us the home loan you need.
Submit the form and the enquiry is emailed to info@vapmoney.com. You can also call +91 98110 52842 or write to info@vapmoney.com.