Before you apply, reviewing the eligibility norms helps you plan better and check eligibility quickly.
This makes it an ideal home loan for salaried person as well as borrowers looking for structured affordable housing finance solutions.
The bank provides multiple housing loan schemes to match different housing needs and budgets:
These schemes offer competitive home loan interest rate options and flexible monthly installment planning.
Submitting accurate paperwork ensures faster processing and smoother instant approval wherever applicable. Below is a clear checklist of documents required for housing loan applications:
Identity Proof
Aadhaar Card, PAN Card, Passport
Address Proof
Aadhaar Card, Utility Bill, Voter ID
Income Proof (Salaried)
Salary slips, Form 16, bank statements
Income Proof (Self-Employed)
ITR, audited financials, bank statements
Property Documents
Sale agreement, title deed, approved building plan
Photographs
Recent passport-size photographs
Maintaining a good credit score and verified income documents improves approval chances.
A housing loan not only helps you own a home but also offers attractive tax benefits on home loan in India:
Section 80C – Deduction up to ₹1.5 lakh on principal repayment
Section 24(b) – Deduction up to ₹2 lakh on interest paid for self-occupied property
Additional Deductions – Benefits for first-time homebuyers under applicable sections
Interest Subsidy – Available under government-backed affordable housing schemes, subject to eligibility
These tax advantages significantly reduce the overall cost of home purchase financing.
Equitas Small Finance Bank follows a transparent fee structure to maintain trust and clarity:
Borrowers can calculate EMI in advance to choose a comfortable repayment tenure.
Need a more accurate EMI estimate?
The home loan process step-by-step is simple and borrower-friendly:
If you are planning to invest in a home with a reliable banking partner, the Equitas Small Finance Bank home loan offers the right balance of affordability, flexibility, and trust. Check eligibility, explore suitable housing loan schemes, and take the next step toward secure homeownership today.
Have any queries? We'd love to hear from you.
📞 Call us: +91 7065663434
✉️ Mail us: support@tytil.com
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