A place to call your own
Home Loan in Delhi NCR
होम लोन
Finance to buy, build or extend a home, with income assessment that considers how your family earns — including informal and cash income read in person.
₹1 L – ₹20 L · 1 – 10 years
Home purchase
₹1 lakh to ₹15 lakh · 1 to 9 years · salaried and self-employed.
Home construction
Build or extend on a self-owned residential plot. ₹1 lakh to ₹20 lakh · 1 to 10 years.
At a glance
- Salaried and self-employed borrowers
- Purchase loans from ₹1 lakh to ₹15 lakh, tenure 1–9 years
- Construction / extension from ₹1 lakh to ₹20 lakh, tenure 1–10 years
- Go / no-go in 3 days, financial approval in 5
Who it’s for
- Age 25+, not more than 65 at maturity
- Bank account required
- Must live in a city where Perfect Finance has an office
- All property owners and income contributors are co-applicants
- Guarantor as decided by underwriting
End use
- Home purchase
- Self-construction on owned plot
- Home extension
- Plot plus construction
Documents
Formal papers help. If you do not have ITR or salary slips, the on-site team writes a cash-flow report.
- Photographs of applicant and co-applicants
- KYC of all applicants
- Property papers (sale deed / allotment / plot documents)
- Bank statements (last 6 months) where available
- Income is assessed on-site if papers are informal
Individual experiences may vary. Approval, pricing, eligibility, documentation and disbursal are subject to applicable policies, verification, terms and conditions.
Questions people ask
- Can I get a home loan in Delhi NCR without a salary slip?
- Yes. Perfect Finsec Pvt. Ltd. assesses informal and cash income in person. Papers help; they are not a gate. Eligibility is confirmed after a visit.
- How much home loan can I apply for?
- Purchase loans from ₹1 lakh to ₹15 lakh (tenure 1–9 years). Construction or extension from ₹1 lakh to ₹20 lakh (tenure 1–10 years). Amount depends on the property and household surplus.