Home Loan

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Yashika Financial Services Overview

Make Your Dream Home a Reality

Affordable home loans with attractive interest rates

What is a Home Loan?

Home loans turn the dream of property ownership into tangible reality, whether you're purchasing a ready-to-move-in home, constructing a new house, or renovating your existing property. With competitive interest rates spanning flexible tenures up to 30 years, substantial tax benefits under various sections, and customized repayment structures, our home loan solutions make owning your dream home achievable and affordable.

Loan Amount: ₹5,00,000 - ₹5 Crore
Interest Rate: From 8.5% p.a.
Tenure: Up to 30 years
Processing: Within 5 days

Perfect For

Purchase
Construction
Renovation
Extension
Plot Purchase
Balance Transfer
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Yashika Financial Services Why Choose Us

Your Trusted Home Loan Partner

Experience hassle-free home financing with us

01

Lowest Interest Rates

Enjoy competitive interest rates starting from 8.5% per annum.

02

Long Tenure

Flexible repayment tenure up to 30 years for affordable EMIs.

03

High Loan Amount

Get up to 90% of property value as loan amount.

04

Tax Benefits

Save taxes on both principal and interest payments.

05

Quick Approval

Fast processing and approval within 5 working days.

06

Flexible Options

Choose between fixed and floating interest rate options.

Yashika Financial Services Quick Application

Apply for Home Loan

Fill out the form below and our team will contact you within 48 hours

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Yashika Financial Services Eligibility

Home Loan Eligibility Criteria

Basic Eligibility

Age Requirement

Between 21 to 65 years

Citizenship

Indian citizen or NRI

Employment

Salaried or Self-employed

Credit Score

750+ for better rates

Income Requirements

Salaried Individuals

Minimum ₹25,000/month net income

Self-Employed

Minimum ₹35,000/month business income

Work Experience

Minimum 2 years in current job/business

Property Documents

Clear property title and ownership

Yashika Financial Services Documentation

Documents Required for Home Loan

Keep these documents ready for quick loan processing

Identity Proof

Aadhaar / PAN / Passport

Address Proof

Utility Bill / Rent Agreement

Income Proof

Salary Slips / ITR / Bank Statements

Property Documents

Sale Agreement / Title Deed

Property Valuation

Property valuation report

Bank Statement

Last 6 months bank statements

Yashika Financial Services Features & Benefits

Home Loan Advantages

01

Tax Benefits

Save up to ₹3.5 lakhs on taxes annually

02

Long Tenure

Repayment period up to 30 years

03

Lowest Rates

Starting from 8.5% p.a.

04

High Loan-to-Value

Get up to 90% of property value

05

Balance Transfer

Transfer existing loan at lower rates

06

Top-up Facility

Additional funds on existing loan

Yashika Financial Services More Options

Explore Other Loans

Find the perfect loan solution for your needs

Personal Loan

Business Loan

Car Loan

Education Loan

Mortgage Loan

Loan Against Receivables

Bridge Funding

Machinery Loan

Working Capital

CC/OD Facility

Construction Finance

Lease Rental Discounting

Equity Funding

CGTMSE Loan

Yashika Financial Services Happy Homeowners

What Our Customers Say

Real stories from people who achieved their dream homes with us

"Bought my 2BHK flat in Thane with 85% loan at amazing rates. Ketan sir negotiated the best deal from multiple banks. Dream come true!"

Abhishek Verma

IT Professional, Thane

"Constructed my villa with their home loan. Competitive interest rate, 25-year tenure, and great tax benefits. Couldn't have asked for better!"

Meera Kulkarni

Doctor, Pune

"Transferred my home loan to get better rates through Yashika Financial Services. Saved ₹15 lakhs in interest! Professional service from start to finish."

Prakash Iyer

Businessman, Mumbai

Ready to Buy Your Dream Home?

Apply now and get your home loan approved with best interest rates

Apply Now

Yashika Financial Services Home Loan FAQs

Got Questions?
We Have Answers

Find answers to commonly asked questions about home loans and application process.

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What is the maximum loan amount I can get?

You can get up to 90% of the property value as a home loan, subject to your income and eligibility. The loan amount ranges from ₹5 lakhs to ₹5 crores based on your repayment capacity and property valuation.

What are the tax benefits on home loans?

You can claim deduction of up to ₹1.5 lakhs on principal repayment under Section 80C and up to ₹2 lakhs on interest payment under Section 24(b) of Income Tax Act. Additional benefits for first-time homebuyers under Section 80EEA.

Can I get a home loan for under-construction property?

Yes, we offer home loans for under-construction properties. The loan is disbursed in stages as per construction progress. You pay only interest during construction, and EMI starts after possession.

What is the difference between fixed and floating rates?

Fixed rate remains constant throughout the loan tenure, while floating rate changes with market conditions. Floating rates are generally lower but can fluctuate. We help you choose the best option based on market trends and your preference.

Can I prepay my home loan without penalty?

Yes, you can make part-prepayments or foreclose your home loan. For floating rate loans, there are typically no prepayment charges. Fixed rate loans may have minimal charges as per lender policy, which will be disclosed upfront.