Our Features
Finance Your Dream Home
At Jfinserv, we understand that buying a home is one of the most significant milestones in your life. Our home loan solutions are designed to provide you with the financial support you need at competitive interest rates, ensuring a smooth and hassle-free journey to homeownership in Pune and PCMC.
Whether you are a first-time homebuyer or looking to upgrade to a larger space, we offer tailored products to suit your specific requirements.
- Competitive Interest Rates starting from 8.5% P.A.
- Flexible Repayment Tenure up to 30 years
- Quick Approval and Seamless Processing
- Minimal Documentation and Transparent Fees
- Balance Transfer Facility with Top-up options
- Expert Guidance throughout the legal and technical process
Why Choose Our Home Loan?
Experience hassle-free home financing with India's most trusted lending partner
Whether you're buying your first home, upgrading to a larger property, or investing in real estate, our home loan solutions are designed to make your journey smooth and stress-free.
Competitive Interest Rates
Enjoy industry-leading rates starting from just 8.25% p.a. with flexible rate options to suit your financial goals.
100% Digital Application
Complete your entire loan application online in minutes. No branch visits, no paperwork hassles.
Fast Disbursal in 48 Hours
Get your loan approved and disbursed within 48 hours of document verification with our streamlined process.
Our Home Loan Benefits
Everything you need for a seamless home buying experience
Up to 90% Loan-to-Value
Finance up to 90% of your property value with minimal down payment, making homeownership more accessible.
Minimal Documentation
Simple KYC and income proof requirements. Our digital verification makes the process quick and easy.
Flexible Repayment Options
Choose tenure up to 30 years with options for part-payment and foreclosure without penalties.
No Hidden Charges
Transparent pricing with no hidden fees. What you see is what you pay—complete clarity guaranteed.
Tax Benefits
Save up to ₹3.5 lakhs annually with tax deductions on principal and interest payments under IT Act.
Dedicated Relationship Manager
Get personalized support from day one with a dedicated expert guiding you through the entire process.
Eligibility & Documents
Check if you qualify and what documents you'll need
✓ Eligibility Criteria
- Age: 21 to 65 years at loan maturity
- Minimum monthly income: ₹25,000
- Work experience: Minimum 2 years
- Current job: At least 1 year with current employer
- Credit score: 700 or above preferred
📄 Required Documents
- PAN Card & Aadhaar Card
- Last 3 months' salary slips
- Last 6 months' bank statements
- Form 16 / IT returns (last 2 years)
- Property documents (sale deed, agreement)
- Passport-size photographs
✓ Eligibility Criteria
- Age: 21 to 65 years at loan maturity
- Business vintage: Minimum 3 years
- Annual income: Minimum ₹3 lakhs
- ITR filing: Last 2 years mandatory
- Credit score: 700 or above preferred
📄 Required Documents
Identity & Personal Documents
- PAN Card
Business Constitution Documents
- Partnership Deed (if applicable)
- Memorandum of Association (MOA)
- Article of Association (AOA)
- SEBI Registration Certificate (if applicable)
Business & Trade Licenses
- Trade License
- Import Export Code (IEC)
- Registration Certificate of Establishment (Shops, Factories, etc.)
- Professional Practice License (Doctors, Consultants, etc.)
Financial Statements
- Financial Statements audited by a Chartered Accountant
- Balance Sheet
- Profit & Loss Account Statement
Banking & Address Proof
- Last 6 Months Bank Account Statement
- Business Address Proof
Company Registration
- ROC Registration Certificate
✓ Eligibility Criteria
- Age: 21 to 65 years at loan maturity
- NRI/PIO/OCI status with valid passport
- Stable employment in current country
- Minimum annual income: $25,000 or equivalent
- Property to be purchased in India only
📄 Required Documents (NRI Applicants)
Income Proof Documents
- Income Proof Documents for NRI
- Bank Account Statement showing payment made to Seller / Builder
Property Ownership Documents
- Sale Deed
- Stamped Agreement of Sale
- Allotment Letter
NOC & Possession Certificates
- No Objection Certificate (NOC)
- NOC from Housing Society / Builder
- Possession Certificate
- Occupancy Certificate
Construction & Tax Related Documents
- Construction Cost Estimate
- Land Tax Receipt
Payment & Resale Documents
- Payment Receipts made to Seller / Builder
- In case of resale property, Share Certificate is required
Calculate Your Home Loan EMI
Get an instant estimate of your monthly payments and plan your finances better
Calculate Detailed EMI →Frequently Asked Questions
Get answers to common queries about our home loan products