FINANCE POINT | SINCE 1998

Home Loans in Kharar, Mohali & Chandigarh

Take the Next Step Towards Your Own Home

Buying your first home, building on your plot or moving to a bigger house? Finance Point — The Finance Specialists helps you explore suitable home loan options through banks and NBFCs.

Serving clients since 1998, we provide transparent loan guidance, documentation assistance and application coordination. We assist homebuyers across Kharar, Mohali, Chandigarh, Zirakpur, Panchkula and surrounding areas.

Our team helps you understand eligibility, monthly repayments and property requirements so you can plan your purchase with confidence.

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WHAT WE OFFER

Our Home Loan Services

Home Purchase Loan

Explore financing to purchase an eligible flat, independent house or resale residential property. We help you understand the required contribution, income documents and property checks.

Home Construction Loan

Planning to build on a plot you own? We assist with home construction loan enquiries, including documentation relating to land ownership, building plans and construction estimates. Disbursement may take place in stages according to lender policy.

Home Renovation & Extension Loan

Explore funding to renovate, repair or extend your existing home, subject to property eligibility and the lender’s available products.

Plot Purchase & Construction Finance

We help you explore eligible plot purchase and combined plot-and-construction financing. Accepted locations, construction timelines and documentation vary by lender.

Home Loan Balance Transfer

Considering moving your existing home loan to another lender? We help you compare available terms, remaining tenure and transfer costs to assess whether switching suits your needs.

Home Loan Top-Up

Eligible existing borrowers may be able to obtain additional funding. Availability depends on repayment history, outstanding borrowing, income, property valuation and permitted end use.

EXPERT ASSISTANCE

Guidance for Non-Standard Home Loan Cases

Some applications need a closer review of income or property documents. Finance Point can assess enquiries involving:

Self-employed or non-standard income profiles
Limited income documentation
Properties in village or non-MC areas

Lal Dora or Gram Panchayat property enquiries
Questions about maps, title documents or ownership records

These cases require individual assessment. Acceptance depends on the lender’s policies and satisfactory legal, technical and income checks.

Discuss Your Property and Loan Requirement

ELIGIBILITY

Who Can Apply?

Home loan options may be available to eligible:

Salaried employees
Self-employed professionals
Business owners
Joint applicants and eligible co-borrowers

Lenders assess factors such as age, income stability, credit history, existing EMIs and repayment capacity. The property must also meet their requirements.

TERMS & COSTS

Home Loan Amount, Interest Rate & Tenure

Your available loan amount depends on your income, existing commitments, property value and the lender’s funding limits.

Interest rates and repayment tenure vary by lender and applicant profile. Before proceeding, review:

Monthly EMI and total repayment
Fixed or floating interest terms
Down payment or own contribution
Processing, legal and valuation charges
Prepayment and foreclosure terms

Our team helps explain the available terms so you can make an informed decision.

CHECKLIST

Documents Required for a Home Loan

The exact checklist depends on your profile, property and lender. Common documents include:

PAN and applicable identity/address proof
Recent bank statements
Salary slips and employment proof for salaried applicants
Income tax returns and financial records for self-employed applicants

Details of existing loans
Sale agreement and available property title documents
Approved plans, permissions and construction estimates, where required

We will explain which documents apply to your case.

OUR ADVANTAGE

Why Choose Finance Point?

Experience Since 1998

Decades of loan consultancy experience and a commitment to maintaining client trust.

Multiple Lender Options

Explore suitable home loan products through banks and NBFCs.

Personalised Guidance

Support based on your income, property and financial requirements.

Transparent Service

Finance Point does not charge an advance consultancy fee. Any applicable consultancy/success fee is explained before proceeding. Lender charges may apply.

Local Understanding

An office in Kharar serving homebuyers across Mohali, Chandigarh, Zirakpur, Panchkula and nearby areas.

Application Support

Assistance with document preparation, lender coordination and follow-up.

PROCESS

How to Apply for a Home Loan

Share Your Requirement

Tell us about the property, purchase price and funding needed.

Review Your Eligibility

We assess your basic profile and explain relevant options.

Prepare Your Documents

Submit the required income and property records.

Complete Lender Checks

The lender conducts credit, legal and technical assessments.

Review Sanction & Disbursement

If approved, review the terms and complete the required formalities.

GOT QUESTIONS?

Frequently Asked Questions

Yes. Business owners and self-employed professionals can apply, subject to acceptable income records, credit assessment and lender eligibility.

Joint applications may be available. Co-applicant eligibility and ownership requirements depend on lender policy.

Options depend on your employment type and available income evidence. Some lenders may consider alternative documentation for eligible profiles, but approval is not assured.

We can review the property details to explore whether a lender accepts that location and property category. Clear ownership and satisfactory legal and technical checks remain essential.

Eligible borrowers may apply for a balance transfer. Compare the potential benefit with transfer expenses and the remaining repayment period.

The required contribution depends on the property value, eligible loan amount and lender policy. You should also budget for applicable purchase and registration expenses.

No. The lender makes the final decision after assessing your financial profile and the property.

GET STARTED TODAY

Let’s Discuss Your Home Loan Requirement

Finance Point — The Finance Specialists | Trusted Loan Guidance Since 1998

For home loans, home construction loans or home loan balance transfers in Kharar, Mohali and Chandigarh, speak with Finance Point.

Call: +91 99141-28390 +91 99148-28390

Visit: SCO 82-C, City Heart Complex, Kharar, SAS Nagar, Mohali, Punjab

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Disclaimer: Finance Point operates as a loan consultancy and DSA. Loan approval, amount, interest rate, tenure and disbursement are subject to the respective lender’s policies, property acceptance and assessment.