Housing & Home Loans Bangalore | Balance Transfer & Top-up

Affordable Home Finance Starting @ 7.15%* Per Annum

Make Your Dream Home in Bangalore a Reality

From purchasing a brand-new flat in Rajarajeshwari Nagar to constructing a duplex on your own site, AEY Financial Solutions connects you directly with top banks for maximum loan eligibility, minimal interest rates, and seamless legal documentation guidance.

@ 7.15%*

Lowest Interest

30 Yrs

Max Tenure

Up to 90%

Property Value

Zero

Prepayment Fee

End-to-End Home Financing Solutions

Buying or building a home is one of life's most meaningful milestones. We eliminate the frustration of navigating endless bank branch visits, complex legal verifications, and fluctuating rates. Our dedicated loan specialists compare offers across India's top lending institutions to secure the most favorable terms for your unique profile.

Home Purchase Loan

Finance ready-to-move apartments, under-construction builder flats, row houses, or villas with up to 90% property valuation funding.

Home Construction Loan

Construct your custom dream residence on your freehold or layout plot. Funds disbursed in scheduled stages based on construction progress.

Plot + Construction Loan

Single composite loan to purchase a residential plot in BDA, BMRDA, or approved layouts and finance immediate or staged construction.

Renovation & Extension

Upgrade your existing home, add an extra floor, remodel your interiors, or fix structural improvements with lower interest home improvement loans.

Home Loan Balance Transfer with Top-Up

Reduce your existing home loan interest rate by transferring to our partner banks. Simultaneously unlock a large top-up loan at affordable home loan rates for personal or business needs.

Eligibility Criteria

Parameters	Salaried Applicants	Self-Employed / Professionals
Age Eligibility	21 to 60 years at maturity	21 to 65 years at maturity
Minimum Net Income	₹30,000 / month	Annual Net Profit ₹3.5 Lakhs+
Employment Stability	Min 2 years total experience (1 yr current)	Min 3 years in business continuity
CIBIL / Credit Score	700+ for best interest rates	700+ for best interest rates
Co-Applicant	Spouse / Parents / Blood relatives (Increases eligibility)	Spouse / Business partners

Documents Required

KYC & Identity

PAN Card of all applicants
Aadhaar Card / Passport
Address verification proof

Income & Banking

Latest 3 months salary slips
Latest 2-3 years Form 16 / ITR
Latest 6-12 months bank statements

Property Documents

Sale Deed / Agreement of Sale copy
Mother Deed / 13 to 30 years Title Chain
Khata Certificate & Khata Extract (e-Khata / A-Khata)
Approved Building Plan & NOC from competent authority
Encumbrance Certificate (EC) for past 15-30 years

Frequently Asked Questions

Loan eligibility depends on your monthly net income, existing EMIs, age, credit score, and property valuation. Typically, banks fund up to 75% to 90% of the property's registered agreement value. Adding a co-applicant (such as an earning spouse) significantly enhances your loan eligibility.

Legal documentation is the most crucial part of home buying in Bangalore. Our team coordinates directly with bank empanelled legal advocates to scrutinize the title chain, Encumbrance Certificate (EC), Khata verification, and layout plan approvals to ensure the property is 100% legally clear before sanction.

Yes! Borrowers are entitled to tax deductions up to ₹1.5 Lakhs under Section 80C for principal repayment, and up to ₹2.0 Lakhs under Section 24(b) for interest paid per financial year.

Loan Services

AEY Financial Solutions

Need Home Loan Guidance?

Get in touch with our senior mortgage specialists.

Kiran N: 9886100272 Jeevan G: 8123969292

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Housing & Home Loans