A home purchase brings together your savings, income and a specific property. ARUNASUN helps you prepare for that conversation, from the overall budget to the records a lender may request.
An enquiry is not a loan application approval. Availability, pricing and final terms are determined by the lender.
Stable, verifiable income is one part of the review. The lender also considers ownership, title, valuation, approved plans and property acceptability. Resident and eligible non-resident applicants can face different documentation requirements. An initial income assessment is not a property approval.
Permitted use of funds depends on the chosen product.
The loan may not cover the full purchase cost. Plan your contribution separately from registration, stamp duty, legal or technical checks, moving costs and other applicable expenses. Ask which costs can be financed before committing to a purchase.
Your income and commitments are assessed alongside title, approvals, valuation and the lender’s property criteria. An income-based indication is not confirmation that a specific property is acceptable. Construction cases can involve staged disbursal.
Understand whether the rate is fixed for the full term or can reset, and how a floating-rate change affects EMI or tenure. For a transfer, compare remaining interest with transfer charges, document work and any other applicable costs.
Use this as a starting checklist. The chosen lender will confirm the records, format and period it needs for your case.
Use the website form for an initial enquiry. Do not include account passwords, PINs or sensitive identity numbers in the message.
Read the documents guideInclude your contribution and costs outside the loan.
Collect purchase, title and approval records.
Income, legal and technical reviews may be separate.
Confirm disbursal stages and repayment terms.
Compare EMI and total interest across realistic repayment periods. For floating-rate borrowing, also consider what a higher rate would mean for your budget. A construction-stage interest arrangement may differ from the standard EMI illustration.
Calculate an illustrative EMIDo not assume full funding. The amount depends on the lender’s rules, valuation and your profile. Plan an own contribution and separate purchase-related costs.
No. The lender may independently assess title, approvals, valuation and property acceptability. Both applicant and property checks can affect the outcome.
A lender may release funds in stages linked to progress and its checks. Ask when repayments begin and how interest is charged before the full amount is released.
Compare the remaining repayment cost under both offers, including transfer fees and other charges. A lower headline rate alone does not establish a net saving.
